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Bupa Global Health Insurance

BUPA International is the world's largest international health insurance company, who cover more than 800,000 members globally. Their members have access to over 7,500 medical providers around the world, and also have access to 24-hour medical help, online plan management and second opinions covered by their plans.

BUPA International health insurance policies come in two ranges of plans for families, one being their options plan, allowing you to choose modular options to tailor your policy. This can provide you major medical cover only, or you can add wellness, international dental insurance, maternity and evacuation benefits.

Those suffering from pre-existing medical conditions Medical conditions or any related medical conditions for which one or more symptoms have surfaced over a number of years (usually 1-5 depending on the Insurer) prior to commencement of cover., you may want to apply for BUPA medical insurance, as many many conditions do not automatically result in your application being declined. Some may be offered to be covered for a premium surcharge.

Key Facts
  • Founded: 1947
  • HQ: UK
  • Support:
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 120
  • Policy Holder: Expatriate
Highlights
  • Millions of people covered
  • Full Medical Underwriting
  • Automatic, online renewal
  • Check status of claims online
  • Lifetime renewable
  • Switch from current policy enabled
  • Apply online enabled
Bupa International Worldwide Health Options Plan Options

Bupa International provide complete flexibility by allowing you to tailor the exact policy that you need. Within the expatriate health insurance market, only a few companies rival Bupa in this way such as Allianz and Cigna.

USA Cover
Medical Plus
Medicines & Equipment
Wellbeing
Pre-Existing Conditions

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Bupa International Worldwide Health Options Member Services

Since 1971 Bupa have been providing reliable international medical insurance for expatriates in all corners of the world the world.

Bupa International provide premium grade levels of service rivalled only by other heavyweights such as Allianz and Cigna Global. They start by providing experts that you can trust with multilingual help lines, nurses on call to provide you advice day or night and consultants that arrange for expert second opinions. As a member you'll have access to Bupa's network of over 7,500 hospitals and clinics which have direct-billing arrangements in place meaning that you do not need to bother with paying out of pocket and getting reimbursed later.

They also provide easy-to-use, useful online technology and content services around policy management, health tools and a mobile application to help you quickly locate medical facilitates nearby.

Bupa International Worldwide Health Options Sub Products

The "Worldwide Health Options" is a fully modular product which allows you to build options of cover to best suits your budget and requirements. It's useful to allow you to pay for only what you need and nothing more. You start with Bupa's core cover called "Worldwide Medical Insurance" which provides emergency-only type In-Patient treatment. This alone will be sufficient for some people - especially those on tight budgets. From there you can add on additional modules for out-patient (Worldwide Medical Plus), prescription drugs and medical appliances (Worldwide Medicines and Equipment), dental and optical (Worldwide Wellbeing) and transport costs to the nearest centre of medical excellence should it be medically necessary (Worldwide Evacuation).

Finally those with pre-existing may be interested in selecting the "Cover for Pre-Existing Conditions" option whereby Bupa will attempt to cover your condition(s) at extra cost. Many insurance providers will simply refuse to consider covering such conditions so this may be an avenue worth chasing in those circumstances. Should your conditions be accepted, be aware that Bupa will not cover them within the USA.

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The Worldwide Health Options policy range provides cover on a global basis.

Choose from either "Worldwide Excluding USA" or "Worldwide" if you need cover while visiting the USA. That is to say that you will not be covered in the USA if you're living there permanently.

Compare Bupa International Worldwide Health Options Sub Products

Compare Plans

WMI WMI & Plus WMI & Medicines WMI & Wellbeing
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Deductibles
Brochure Pack Download Bupa Brochure Pack Download Bupa Brochure Pack Download Bupa Brochure Pack Download Bupa Brochure Pack
Maximum Benefit

$2.55 million

$2.55 million

$2.55 million

$2.55 million

USA Elective Treatment

In-Patient

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Hospital Accommodation

Semi-Private

Semi-Private

Semi-Private

Semi-Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant

$255,000

$255,000

$255,000

$255,000

Physiotherapy
Rehabilitation

30 days per condition

30 days per condition

30 days per condition

30 days per condition

Hospice

$34,000

$34,000

$34,000

$34,000

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Out-Patient Surgery
Medical Practitioner Fees
Specialist Fees
Prescription Drugs
Diagnostic Tests
Diagnostic Scans
Home Nursing Care

30 days per year

30 days per year

30 days per year

30 days per year

Prosthetic Devices
Chiropractic

30 visiits per year

30 visiits per year

30 visiits per year

30 visiits per year

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.
Physiotherapy
Oncology
Alternative Therapies

15 visiits per year

15 visiits per year

15 visiits per year

15 visiits per year

Maternity

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$11,050

$11,050

$11,050

$11,050

Newborn Care

$127,500

$127,500

$127,500

$127,500

Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$34,000

$34,000

$34,000

$34,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

$11,050

$11,050

$11,050

$11,050

Dental

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Emergency In-Patient
Emergency Out-Patient

$850

Routine

$5,950 (80%)

Complex

$5,950 (50% - 80%)

Orthodontic

50%

Well-Being

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Routine Health Check

$850

Vaccinations

$850 (with health check)

Psychiatric

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

In-Patient Treatment

90 days (per lifetime)

90 days (per lifetime)

90 days (per lifetime)

90 days (per lifetime)

Out-Patient Treatment

Evacuation

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Medical Evacuation
Medical Repatriation
Repat' of mortal remains
Compassionate visit

$1,360

$1,360

$1,360

$1,360

Companion expenses

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Eye tests & consultations
Glasses & contacts

80%

Chronic Conditions

WMI

WMI & Plus

WMI & Medicines

WMI & Wellbeing

Monitoring & maintenance

within plan limits

within plan limits

within plan limits

within plan limits

Stabilisation of chronic episode

within plan limits

within plan limits

within plan limits

within plan limits

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

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