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The biggest impact on the cost of insurance is the number of claims made and the market conditions that influence these costs. As a healthcare company, Bupa works relentlessly to manage healthcare prices, through collaboration and partnership with medical providers.

Insurance fraud is another cost that can lead to increased premiums for customers if it's not controlled.

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We take fraud prevention very seriously.

  • We use a range of sophisticated analytical tools designed to detect suspicious activity.
  • We have a Counter Fraud Team dedicated to preventing and investigating fraud attempts.
  • We share critical information with other health insurers to prevent fraudulent attempts.
  • We have a zero-tolerance approach to fraud. We will investigate every attempt and will take action on any proven fraud to the maximum allowance within our rules, and the country laws in which we operate.

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Insurance fraud can take many forms. We treat all fraud with the same zero-tolerance approach. Examples of insurance fraud include:

  • Presenting claims for services or medications not received, or altering invoices
  • Misrepresenting treatment and seeking payment for services not covered by our customers policies, such as cosmetic surgery
  • Submitting insufficient or false information to obtain an insurance policy
  • Collusion between a policyholder, healthcare partner or an agent (broker)

If you suspect insurance fraud, or are concerned about suspicious activity, we're here to help. You can email us in confidence to [email protected]

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