IR - Bupa International - Gold Superior

Bupa International - Gold Superior

Company Gold Superior

is our new level of cover, and our most comprehensive. Developed using feedback from our customers, it is designed to provide enhanced cover for a wide variety of medical needs.

Give your employees peace of mind with features including enhanced benefit limits, optional optical cover and unlimited cover for family doctor treatment and prescribed drugs and dressings costs.

Gold Superior includes cover for:

* unlimited family doctor treatment
* unlimited prescribed drugs and dressings
* full health assessments
* increased vaccination limits
* out-patient treatment (with higher limits than Gold)
* accident-related dental treatment
* maternity cover (with higher limits than Gold)
* in-patient and day-case treatment
* cancer treatment
* local air and road ambulance
* 28 days emergency cover for the USA

Plus:

* optional Assistance (evacuation and repatriation) cover
* optional dental and optical cover
* optional USA cover
* annual maximum coverage of £Sterling 5,000,000/$US 10,000,000/€Euro 7,500,000

Benefits

Optional Benefits
USA Cover	All Yes No
Dental	All Yes No
Eye test	All Yes No
Assistance cover
Emergency medical evacuation	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Organ transplant
	Full refund for medical expenses received as a result of a cornea, small bowel, kidney, kidney/pancreas,liver, heart, lung, or heart/lung transplant. Also bone marrow transplants (either using your own bone marrow or that of a compatible donor) and peripheral stem cell transplants, with or without high dose chemotherapy
Outside area of cover limit for USA / Canada
USA Cover - No	Emergency cover up to 28 days pa
USA Cover - Yes	USA Cover Access to Bupa Internationals US Service Partner’s national network of hospitals, clinics and medical practitioners. The Service Partner will help you arrange treatment within this network. When eligible treatment takes place in the US using the US provider network, benefit is paid at 100 percent. When eligible treatment takes place in the US but outside of this network, benefit is paid at 80 percent. Please note that all treatment must be pre-authorised, so contact us first to get peace of mind.
Prosthetic devices
	Full refund for prosthetic implants and appliances Up to £2,400 : US$4,000 : €3,000 for prosthetic devices per membership year
Psychiatric treatment
	Full refund for a life time total of 90 days (after two years’ membership)
Key Facts - Out-patient Charges
Complementary medicine
	Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits
Diagnostic tests (excluding scans)
	Full refund
GP referred consultations
	Full refund for GP referred consultations Full refund for treatment by a family doctor
Physiotherapy consultant referred
	Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits
Physiotherapy GP referred
	Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits
Psychiatric cover
	Full refund for up to a combined total of 30 Consultants’ fees and/or psychologists’ fees for psychiatric treatment (after two years’ membership)
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund
Surgical Procedures
	Full refund
Vaccinations administered by a medical practitioner
	Up to £600 : US$1,000 : €750 each membership year
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	£90 : US$150 : €110 per night up to max 20 nights
Nursing at home
	£120 : US$200 : €150 per night following in-patient treatment up to max 30 nights
Parental accommodation
	Full refund (staying with a child under 18 years old)
Private ambulance
	Local road ambulance related to in or day-patient stay - Paid in full Local air ambulance – Up to £5,900 : $10,000 : €7,400 each membership year
Additional Benefits
24 Hour emergency helpline
	Included
Accompanying relative travel & accomodation
Emergency medical evacuation - No	Not covered
Emergency medical evacuation - Yes	Assistance cover (evacuation and repatriation) Paid in full for reasonable costs for a relative to accompany you to your specified country of nationality all costs have to be authorised in advance. Bupa also pay £25 : $50 : €37 per day up to 10 days for living expenses
AIDS / HIV treatment
	HIV/AIDS drug therapy including ART (after five years’ membership) Up to £12,000 : US$20,000 : €15,000 each membership year
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£6,000,000 : $10,200,000 : €7,500,000 for the total amount that can be claimed by each insured person during each annual period of cover (Up to a maximum of £1,800,000 : US$3,000,000 : €2,250,000 per condition)
Children covered
	No age limit, age and zone location are reflected in the premiums
Chinese medicine
	Covered under complementary medical treatment benefit limit
Chiropractors & Osteopaths
	Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits
Chronic conditions & palliative care
	Up to £24,000 : US$41,000 : €30,000 max benefit for the whole of your membership for hospice and palliative care
Compassionate home visit
	Not covered
Cover for new born children
	Up to £90,000 : US$150,000 : €110,000 max benefit for all treatment received during the first 90 days following birth
Cremation / burial or repatriation of remains
	Not covered
Dental treatment
	Accident related dental treatment - Up to £480 : US$815 : €600 each membership year
Dental - Yes	Optional Dental Dental treatment - Up to £2,400 : US$4,000 : €3,000 each membership year * 100 percent of preventive treatment (such as check-ups, X-rays, scale and polishing) * 100 percent of routine treatment (such as fillings, extractions and root canal therapy) * 50 percent of major restorative or orthodontic treatment (such as crowns, bridges or implants) and orthodontic treatment of overbite or underbite
Emergency medical evacuation & medical repatriation
Emergency medical evacuation - No	Not covered
Emergency medical evacuation - Yes	Assistance cover (evacuation and repatriation) Evacuation – if the treatment you need is not available locally, we will arrange for you to be evacuated to the nearest centre of medical excellence, no matter where you are in the world. Repatriation – our highest level of assistance cover gives you the choice of returning to your home country (if treatment is not available locally) to be treated in familiar surroundings, near your family and friends. Eligible costs associated with evacuation and repatriation services are paid in full.
Extended care facility
	Not covered
Health Screening
	Up to £1,200 : US$2,000 : €1,500 combine limit for Mammogram, PAP test, Prostate or Colon cancer screening and Full health screening – cholesterol, diabetes, anaemia, lung function, liver and kidney function, cardiac risk assessment and hearing tests (after one year’s membership)
Hormone replacement therapy
	Not covered
Infertility investigations
	Treatment to assist reproduction is covered, including but not limited to IVF treatment for reasonable costs for investigations into the causes of infertility. A minimum 2 years continuous membership
Maternity cash benefit
	No separate benefit - Any cash benefit will be paid from the main cash benefit category £75 : US$150 : €110 each night up to 20 nights each membership year (this benefit is paid instead of any other benefit each night you receive eligible in-patient maternity treatment or room and board without charge)
Organ Transplants
	Full refund for medical expenses received as a result of a cornea, small bowel, kidney, kidney/pancreas,liver, heart, lung, or heart/lung transplant. Also bone marrow transplants (either using your own bone marrow or that of a compatible donor) and peripheral stem cell transplants, with or without high dose chemotherapy
Overseas cover
	Not applicable
Personal & total disability benefit
	Not covered
Policy excess
	Not applicable
Pre-existing conditions
	Not covered
Pregnancy complications
	Up to £9,600 : US$16,300 : €12,000 maternity and childbirth* Up to £780 : US$1,300 : €975 childbirth at home or birthing centre* Up to £16,800 : US$28,500 : €21,000 medically essential caesarean section* *per membership year after 10 months cover
Presciption drugs, dressings and medicines
	Full refund
Rehabilitation
	Full refund for up to 30 days of treatment (which may be in-patient treatment, day-case or out-patient treatment) each membership year
Routine maternity cover
	Up to £8,000 : US$16,000 : €12,000 maternity and childbirth Up to £650 : US$1,300 : €975 childbirth at home per membership year after 10 months cover
Sight / vision benefit
Eye test - No	Not covered
Eye test - Yes	Up to £250 : US$425 : €315 for one eye test each membership year
Stabilisation of acute chronic episode
	Covered
Well Baby Examination
	Not covered

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full refund

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Organ transplant

Full refund for medical expenses received as a result of a cornea, small bowel, kidney, kidney/pancreas,liver, heart, lung, or heart/lung transplant. Also bone marrow transplants (either using your own bone marrow or that of a compatible donor) and peripheral stem cell transplants, with or without high dose chemotherapy

Outside area of cover limit for USA / Canada

USA Cover - No

Emergency cover up to 28 days pa

USA Cover - Yes

USA Cover
Access to Bupa Internationals US Service Partner’s national network of hospitals, clinics and medical practitioners. The Service Partner will help you arrange treatment within this network. When eligible treatment takes place in the US using the US provider network, benefit is paid at 100 percent. When eligible treatment takes place in the US but outside of this network, benefit is paid at 80 percent. Please note that all treatment must be pre-authorised, so contact us first to get peace of mind.

Prosthetic devices

Full refund for prosthetic implants and appliances
Up to £2,400 : US$4,000 : €3,000 for prosthetic devices per membership year

Psychiatric treatment

Full refund for a life time total of 90 days (after two years’ membership)

Key Facts - Out-patient Charges

Complementary medicine

Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits

Diagnostic tests (excluding scans)

Full refund

GP referred consultations

Full refund for GP referred consultations
Full refund for treatment by a family doctor

Physiotherapy consultant referred

Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits

Physiotherapy GP referred

Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits

Psychiatric cover

Full refund for up to a combined total of 30 Consultants’ fees and/or psychologists’ fees for psychiatric treatment (after two years’ membership)

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund

Surgical Procedures

Full refund

Vaccinations administered by a medical practitioner

Up to £600 : US$1,000 : €750 each membership year

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

£90 : US$150 : €110 per night up to max 20 nights

Nursing at home

£120 : US$200 : €150 per night following in-patient treatment up to max 30 nights

Parental accommodation

Full refund (staying with a child under 18 years old)

Private ambulance

Local road ambulance related to in or day-patient stay - Paid in full
Local air ambulance – Up to £5,900 : $10,000 : €7,400 each membership year

Additional Benefits

24 Hour emergency helpline

Included

Accompanying relative travel & accomodation

Emergency medical evacuation - No

Not covered

Emergency medical evacuation - Yes

Assistance cover (evacuation and repatriation)
Paid in full for reasonable costs for a relative to accompany you to your specified country of nationality all costs have to be authorised in advance. Bupa also pay £25 : $50 : €37 per day up to 10 days for living expenses

AIDS / HIV treatment

HIV/AIDS drug therapy including ART (after five years’ membership) Up to £12,000 : US$20,000 : €15,000 each membership year

Alcohol & drug abuse

Not covered

Annual maximum limit

£6,000,000 : $10,200,000 : €7,500,000 for the total amount that can be claimed by each insured person during each annual period of cover (Up to a maximum of £1,800,000 : US$3,000,000 : €2,250,000 per condition)

Children covered

No age limit, age and zone location are reflected in the premiums

Chinese medicine

Covered under complementary medical treatment benefit limit

Chiropractors & Osteopaths

Full refund for up to 60 visits each membership year as part of an overall total number of out-patient visits

Chronic conditions & palliative care

Up to £24,000 : US$41,000 : €30,000 max benefit for the whole of your membership for hospice and palliative care

Compassionate home visit

Not covered

Cover for new born children

Up to £90,000 : US$150,000 : €110,000 max benefit for all treatment received during the first 90 days following birth

Cremation / burial or repatriation of remains

Not covered

Dental treatment

Accident related dental treatment - Up to £480 : US$815 : €600 each membership year

Dental - Yes

Optional Dental
Dental treatment - Up to £2,400 : US$4,000 : €3,000 each membership year
* 100 percent of preventive treatment (such as check-ups, X-rays, scale and polishing)
* 100 percent of routine treatment (such as fillings, extractions and root canal therapy)
* 50 percent of major restorative or orthodontic treatment (such as crowns, bridges or implants) and orthodontic treatment of overbite or underbite

Emergency medical evacuation & medical repatriation

Emergency medical evacuation - No

Not covered

Emergency medical evacuation - Yes

Assistance cover (evacuation and repatriation)
Evacuation – if the treatment you need is not available locally, we will arrange for you to be evacuated to the nearest centre of medical excellence, no matter where you are in the world.
Repatriation – our highest level of assistance cover gives you the choice of returning to your home country (if treatment is not available locally) to be treated in familiar surroundings, near your family and friends.
Eligible costs associated with evacuation and repatriation services are paid in full.

Extended care facility

Not covered

Health Screening

Up to £1,200 : US$2,000 : €1,500 combine limit for Mammogram, PAP test, Prostate or Colon cancer screening and Full health screening – cholesterol, diabetes, anaemia, lung function, liver and kidney function, cardiac risk assessment and hearing tests (after one year’s membership)

Hormone replacement therapy

Not covered

Infertility investigations

Treatment to assist reproduction is covered, including but not limited to IVF treatment for reasonable costs for investigations into the causes of infertility. A minimum 2 years continuous membership

Maternity cash benefit

No separate benefit - Any cash benefit will be paid from the main cash benefit category
£75 : US$150 : €110 each night up to 20 nights each membership year (this benefit is paid instead of any other benefit each night you receive eligible in-patient maternity treatment or room and board without charge)

Organ Transplants

Overseas cover

Not applicable

Personal & total disability benefit

Not covered

Policy excess

Not applicable

Pre-existing conditions

Not covered

Pregnancy complications

Up to £9,600 : US$16,300 : €12,000 maternity and childbirth*
Up to £780 : US$1,300 : €975 childbirth at home or birthing centre*
Up to £16,800 : US$28,500 : €21,000 medically essential caesarean section*
*per membership year after 10 months cover

Presciption drugs, dressings and medicines

Full refund

Rehabilitation

Full refund for up to 30 days of treatment (which may be in-patient treatment, day-case or out-patient treatment) each membership year

Routine maternity cover

Up to £8,000 : US$16,000 : €12,000 maternity and childbirth
Up to £650 : US$1,300 : €975 childbirth at home
per membership year after 10 months cover

Sight / vision benefit

Eye test - No

Not covered

Eye test - Yes

Up to £250 : US$425 : €315 for one eye test each membership year

Stabilisation of acute chronic episode