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Not included with Treatment and Care

These are appointments that you have at a hospital, but where you don’t stay for the day or overnight. These are covered if a GP or consultant has referred you for them. You can also be referred by some healthcare practitioners such as physiotherapists.

These appointments are covered in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Not included with Treatment and Care

These are tests that you may have at a hospital, but where you don’t stay for the day or overnight. These are covered if a GP or consultant has referred you for them. You can also be referred by some healthcare practitioners such as physiotherapists.

These tests are covered in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Not included with Treatment and Care

These are scans that your consultant may ask for to help them find out what’s wrong. You may have these scans at a hospital. This could include MRI, CT, or PET scans. The costs of these scans will be covered in full.

You’ll be covered for the cost of your care while you’re being treated in a hospital in your chosen network. We’ll pay the hospital costs in full if you stay for the day or overnight, or if you’re treated as an out-patient. Out-patient means you’re treated in hospital, but you don’t stay for the day or overnight.

Hospital costs for out-patient treatment are covered in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Included with Comprehensive and Treatment and Care

You’ll be covered for mental health treatment from a consultant or mental health and wellbeing therapist. We’ll cover eligible treatment in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

You may also be covered if you need to be admitted to hospital. This would depend on the terms of your individual policy.

This means you’ll be covered for therapies such as physiotherapy. Out-patient means you’re treated in hospital, but you don’t stay for the day or overnight.

Treatment that's covered by your policy will be paid for in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Included with Comprehensive and Treatment and Care

These are tests that take place after treatment. They need to be linked to the treatment you’ve had. You may have these tests while you’re staying in hospital, or you may have them as an out-patient. Appointments are usually covered up to 6 months after your treatment.

These tests are covered in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

These are tests that take place after treatment. They need to be linked to the treatment you’ve had. You may have these tests while you’re staying in hospital, or you may have them as an out-patient. Appointments are usually covered up to 6 months after your treatment.

These tests are covered in full unless you’ve chosen to put a limit on your out-patient allowance.

If you have put a limit on your out-patient allowance, we’ll pay up to that amount. So, if you have an out-patient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

These are scans that take place after treatment. We’ll cover these in full if they’re linked to the treatment you’ve had. For example, you may need an MRI, CT, or PET scan. You may have these scans while you are staying in hospital, or you may have them as an out-patient. Appointments are usually covered up to 6 months after your treatment.

You can choose between three levels of cancer cover when you join:

• Cancer Cover
  This is our highest level of cancer cover. It fully covers the cost of eligible cancer treatments. This includes radiotherapy, chemotherapy, surgery, and stem cell transplants.
• NHS Cancer Cover Plus
  This level of cover pays for cancer treatment if the treatment you need isn’t available on the NHS. Cancer treatments that could be covered are radiotherapy, chemotherapy, drug therapy or operations.
• No cancer cover
  You can choose to exclude cancer cover from your policy.

When you buy our health insurance online, we automatically include full Cancer Cover. If you’d like a quote for health insurance including NHS Cancer Cover Plus or with no cancer cover, you’ll need to call us on 0808 250 7825. Lines are open 8am to 6pm Monday to Friday.

You can choose from three hospital networks when you join: Essential Access, Extended Choice, or Extended Choice with Central London. If you have treatment that’s covered by your policy at a hospital in your network, we’ll pay the hospital costs in full, as long as you use a fee assured consultant. This is a Bupa recognised consultant whose fees we have agreed to pay.

With this cover, you’ll get access to Bupa Anytime HealthLine, our 24-hour phone line. You can call day or night and talk to our GPs and nurses. And there’s no limit to the number of times you can call.

If a child needs to stay in hospital for treatment that’s covered under the policy, we’ll pay for one parent to stay with them. The child needs to be 17 or under and included on the policy.

If you’re admitted to private hospital and it’s medically necessary for you to travel by ambulance, we’ll pay for this. We’ll pay up to £60 for each journey, as many times as you need it.

If you have treatment through the NHS instead of using your health cover, we’ll pay a cash benefit into your bank account.

If you have treatment through the NHS rather than using your health cover, we’ll pay a cash benefit into your bank account. The amount depends on the treatment you have. For example, if you stay overnight in an NHS hospital for cancer treatment, we’ll pay £100 for each night.

You can also claim £100 for NHS treatment you have in hospital without staying overnight, or that you have at home. You could also receive £100 every three weeks if you need to take oral cancer treatments.