Worldwide Health Options

The international health plan you can tailor to your needs

Contents
Why Bupa International is right for you ................... 4 How to create your individual plan .......................... 6 World-class service you can rely on ......................... 8

Core cover
Worldwide Medical Insurance ................................12 Option

Worldwide Medical Plus .......................................14 Option

Worldwide Medicines and Equipment ...................16

Option
Worldwide Wellbeing..............................................18

Option
Worldwide Evacuation ............................................20 Cover for pre-existing conditions ...........................22 USA Cover .............................................................24 Deductibles ............................................................25 General exclusions .................................................26 What to do next? ...................................................27

Why Bupa International is right for you

Worldwide Health Options gives you the flexibility to create the cover you need, while enjoying all the benefits of being a Bupa member.
With Worldwide Health Options you have the reassurance of knowing that your health insurance is being looked after by an experienced, award-winning provider. Part of the globally respected Bupa group, we are the largest international health insurance provider for expatriates. Founded over 60 years ago, Bupa has over 10 million members, including 115 nationalities in 190 countries. We cover both expatriates and local nationals, where the local regulations permit.

Bupa has offices in the UK, Hong Kong, Thailand, Saudi Arabia, India, Australia, USA, Denmark, Egypt, France and Spain, and a wide international network of brokers and business partners. As a Bupa member you can be treated in any one of our 7,500 participating hospitals and clinics worldwide, or in any recognised hospital or clinic of your choice. From the moment you call to pre-authorise your treatment, well be there for you every step of the way. Well even help you locate the closest suitable hospital and make appointments for your treatment on your behalf so you can focus on getting better. In fact, we pride ourselves on offering you the highest standard of service. We have multi-lingual, medically trained staff who can speak to you on the telephone 24 hours a day, ready to help with any health-related questions or concerns you may have.

You can also speak to an adviser whenever you need to using webchat, an instant messaging service with which we can answer any of your questions. And with a wealth of local knowledge and expertise on hand 24/7, you can be sure that whenever you need us, well be here to help. So if youre looking for a flexible international health insurance plan that will offer you excellent cover and service, choose Bupa International. If youd like to find out more about Worldwide Health Options, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor.

How to create your individual plan

With Worldwide Health Options you have the reassurance of our core Worldwide Medical Insurance cover, and the freedom to include any number of cover options.
To ensure that you are paying a price that is right for your needs, we will calculate the cost of your plan according to the cover options you choose and the country where you spend most of your time. And to make the price even more flexible, you can also choose to include deductibles if you wish. So, with the assistance of our specially trained sales team, you can create your own, tailored healthcare plan to meet your individual needs. To find out more about Worldwide Medical Insurance and each of our options (including treatment in the USA), and what they cover turn to page 12. You can also read more about deductibles, and how they work, on page 25.

Start with our core cover

Then choose the options you wish to add

Worldwide Medical Insurance

Worldwide Medical Plus

Worldwide Medicines and Equipment

Worldwide Wellbeing

Worldwide Evacuation

Plus USA Cover if you need it

USA Cover

+ +
Cover for pre-existing conditions

Plus cover for pre-existing conditions (outside the USA)

Finally decide what deductibles, if any, you want

An optional deductible that is spread across your cover and options

A flexible healthcare plan that is tailored to your individual needs

World-class service you can rely on

Health insurance is just the start of the package we offer. As a Bupa International member, you have access to a number of services to help make your life easier. Wherever you are in the world, were just a phone call away with expert assistance and advice.
Around the clock help from our Medical Centre
We never know what is around the corner. But whatever else changes in your life, our Medical Centre gives you the reassurance that you are in safe and expert hands if ever your health is compromised. You can call our Medical Centre on +44 (0) 1273 333 911 at any time of the day or night and speak to medically trained people who understand your situation and can give you the healthcare advice, support and assistance you need.

What help can you expect?

Youll find our Medical Centre an accessible, knowledgeable and comprehensive resource for all your health-related questions and concerns. We can put you in touch with someone who speaks your own language and can refer you to medical experts and local facilities around the globe. If you choose our Worldwide Evacuation option, we will arrange medical evacuations and repatriations, including:

You can ask us for help with*:

air ambulance transportation commercial flights, with or without medical escorts stretcher transportation travel arrangements for relatives and escorts and repatriation of mortal remains.
Our Medical Centre teams will handle your case from start to finish, so that you can always talk to someone who knows what is happening and will give you the support and consistent advice you require. Youll be treated as a valued individual rather than a policy number we believe that every person and situation is different, and we focus on helping you to find the answers and solutions that work specifically for you.

medical referrals and advice booking appointments medical second opinions travel advice security advice.

* We obtain health, travel and security information from third parties. You should check this information, as we cannot be held responsible for any errors or omissions, or any loss, damage, illness and/or injury that may occur as a result of this information.

Online support at MembersWorld

To make your life easier and save you time and hassle, weve created an exclusive members website. You can visit your MembersWorld website at www.bupa-intl.com/membersworld* from anywhere in the world to manage your cover and access a comprehensive library of information. You can:

24/7 assistance from general enquiries

We also have a team of expertly trained people on hand at the end of the phone 24/7, ready to help with any general enquiries you may have. Wherever in the world you may be, you can be sure we can put you in touch with someone who can speak your own language. If youd like to find out more about the benefits of Bupa membership, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

view your plan update your personal details track the progress of your claims** make payments online search our international hospital directory download claim forms and other useful
documents, and

talk to us online using our free webchat service

Get expert health advice at bupa.com
Our health area is full of up-to-date information that can help you to stay fit and well. Look up the names of commonly used medicines and find out how they work and any side-effects and alternatives.

* Email disclaimer We cannot guarantee the security of email as a method of communication. Some companies and countries do monitor email traffic - please keep this in mind when sending confidential information. If you feel your email is not secure please send us your confidential documents by post or fax. ** MembersWorld may not track claims in the USA as we use our third party here.

10

11

Core cover

Worldwide Medical Insurance

For treatment received whilst staying in hospital, either overnight or as a day-case
Worldwide Medical Insurance gives you the reassurance of covering essential hospital treatment you may need, whether in an emergency or a planned visit. All surgery, cancer treatment and advanced imaging, whether received whilst staying in hospital or as a visiting patient, are also included. You may have chosen this cover on its own, or together with any combination of our options.

What is covered?
Worldwide Medical Insurance covers you for a maximum of 1,500,000/1,875,000/$2,550,000 each membership year, and also includes cancer treatment in full and transplant services (including donor expenses for organ harvesting if the recipient is a Bupa International member). Please see overleaf for more details.

12

Worldwide Medical Insurance

Benefit
Staying in hospital overnight or as a day-case Parent accommodation Nursing care Operating room, medicines and surgical dressings Intensive care, intensive therapy, coronary care and high dependency unit Surgery, including surgeons, anaesthetists and assistants fees Specialists consultation fees Pathology, X-rays, diagnostic tests and therapies Rehabilitation Advanced imaging Psychiatric treatment overnight in hospital, including room, board and treatment costs Psychiatric treatment as a day-case, including room, board and treatment costs Prosthetic implants and appliances Prosthetic devices Childbirth and treatment in hospital Childbirth at home Medically essential Caesarean section Newborn care Cancer treatment Transplant services Hospice and palliative care Local road ambulance Local air ambulance Home nursing Hospitalisation cash benefit Emergency dental treatment Treatment of congenital and hereditary conditions Paid in full Each condition, up to Lifetime limit Paid in full Each membership year, up to Paid in full for 30 days each membership year Each night for a maximum of up to 30 nights each membership year Paid in full Each membership year, up to 20,000 25,000 34,000 100 125 170 5,000 6,250 8,500 150,000 20,000 187,500 25,000 255,000 34,000

Level of cover
Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full for 30 days each condition Paid in full 90 days lifetime limit Paid in full for 20 days each membership year Paid in full Each device, up to Each membership year, up to Each membership year, up to Each membership year, up to

Sterling Euros

$ US

2,000 6,500 650 13,000 75,000

2,500

3,400

8,100 810 16,250 93,750

11,050 1,105 22,100 127,500

What is not covered?

We dont cover treatment received at a hospital when you are not staying overnight or as a day-case. Maternity benefits are payable only after the mother has been a member for 10 months. (We dont pay for treatment directly related to surrogacy). We dont pay the medical costs of organ harvesting for transplant if the intended recipient is not a Bupa International member. And finally, we will not pay hospital room and board charges if you are staying in hospital unnecessarily. For full details of what is and what is not covered please see the membership guide. If youd like to find out more about Worldwide Medical Insurance, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor.
13

Option

Worldwide Medical Plus

For specialist treatment where you do not need to stay in hospital
Worldwide Medical Plus covers you for consultations with a doctor or specialist and medical treatments that do not require a hospital stay. These may include osteopathy or physiotherapy for example. Some of these treatments or consultations may take place before or after a hospital stay, but many will be totally independent.

What is covered?
Worldwide Medical Plus covers you for a maximum of 25,000/31,250/$42,500 each membership year (excluding transplant services) and also includes cover for young child care, maternity care, complementary therapies and speech therapy.

Worldwide Medical Plus

Benefit
Specialists consultation and doctors fees Physiotherapy, osteopathy and chiropractor treatment
Consultations and treatment with therapists and complementary therapists

Level of cover
Paid in full up to 35 visits each membership year Paid in full up to 30 visits each membership year Paid in full up to 15 visits each membership year Paid in full up to 30 visits each membership year Paid in full Paid in full Each membership year, up to Each membership year, up to Each membership year, 80% up to Each condition, up to

Sterling Euros

$ US

Psychiatrists and psychologists fees Speech therapy Pathology, X-rays and diagnostic tests Young child care Maternity Accident-related dental treatment Transplant services

1,000 2,000 500 50,000

1,250 2,500 625 62,500

1,700 3,400 850 85,000

14

What is not covered?

We cover physical and complementary therapies, including acupuncture, homeopathy and Chinese medicine. However, we do not pay for complementary therapies such as ayurvedic treatment or aromatherapy which may be available. Maternity benefit is payable only after the mother has been a member on this option for 10 months. We do not pay for the repair or provision of dental implants, crowns or dentures. For full details of what is and what is not covered please see the membership guide. If youd like to find out more about Worldwide Medical Plus, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

15

Option

Worldwide Medicines and Equipment

For prescribed medicines and medical equipment
Often, treatment doesnt end when you leave the hospital or clinic or after you have seen a specialist.This option covers you for prescription medicines and the rental of medical appliances, such as oxygen supplies or wheelchairs.

What is covered?
Worldwide Medicines and Equipment covers you up to 1,500/1,875/$2,550 each membership year for medicines, dressings and rental of medical equipment. Our unique long-term prescriptions benefit will also pay for any medicines required to manage chronic conditions such as asthma.

16

Worldwide Medicines and Equipment

Benefit
Prescribed medicines and dressings Durable medical equipment rental Long-term prescription medicines

Level of cover
Each membership year, up to Up to 45 days each condition, each membership year up to Each membership year, 80% up to Lifetime limit

Sterling Euros
1,500 10,000 60,000 1,875 12,500 75,000

$ US
2,550 17,000 102,000

What is not covered?

We will only cover long-term prescription medicines once you have been a member for three or more years. For full details of what is and what is not covered please see the membership guide. If youd like to find out more about Worldwide Medicines and Equipment, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

17

Option

Worldwide Wellbeing
For a range of health screenings, vaccinations, dental and optical treatment
Our Worldwide Wellbeing option is designed to help you stay healthy. It covers medical screenings that can provide valuable early detection of conditions such as cancer. It covers dental and optical treatments, which can play an important role in keeping you healthy by identifying underlying problems such as mouth cancer or diabetes. The earlier a condition is identified, the faster you can be on the road to recovery.

What is covered?
Our Worldwide Wellbeing covers you for up to 5,000/6,250/$8,500 each membership year. This covers you for vaccinations, eye tests and preventive dental care as detailed below.

Worldwide Wellbeing
Benefit
Screening and prevention: Full health screen Mammogram Papanicolaou (PAP) test Prostate cancer screen Colon cancer screen Bone densitometry Four dietetic consultations Vaccinations Dental: Preventive Routine and major restorative Orthodontic Optical: Eye test (including consultation) Spectacle lenses Contact lenses Spectacle frames One each membership year, 100% 80% 80% Once every two membership years, 80% up to 150 185 255 Each membership year, 100% up to Each membership year, 80% up to Each membership year, 50% up to 3,500 4,375 5,950 Each membership year, up to 500 625 850

Level of cover

Sterling Euros

$ US

18

What is not covered?

Full health screening is available only once you have been covered on this option for one year, and every other year thereafter. Preventive and routine dental treatment is available after six months membership on this option. Orthodontic treatment up to the age of 19 is available after two years membership on this option. For full details of what is and what is not covered please see the membership guide. If youd like to find out more about Worldwide Wellbeing, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

19

Option

Worldwide Evacuation
For when you cant get the treatment you need in a local hospital
The Worldwide Evacuation option is ideal if the treatment you need is not available locally. It covers you for reasonable transport costs to the nearest suitable medical centre, ensuring you get the treatment you need. Repatriation gives you the added option of returning to your home country or specified country of nationality, to be treated in more familiar surroundings.

What is covered?
Theres no annual limit on Worldwide Evacuation. It covers you for the transfer of minor children, so that they can be taken to a place where a guardian or relative can care for them until their parent has recuperated. You are also covered for compassionate visits, enabling a relative to visit you should you have a sudden accident or illness and are going to be hospitalised for at least five days or you have received a short-term prognosis. Your relative will also receive a cash sum to help cover living costs during their stay.

Worldwide Evacuation
Benefit
Medical evacuation Medical repatriation Travel costs for an accompanying person Travel costs for the transfer of minor children Living allowance Repatriation of mortal remains Compassionate visit and return Compassionate visit living allowance

Level of cover
Paid in full Paid in full Paid in full Paid in full For a maximum of 10 days each membership year, each day up to Maximum benefit of Five trips lifetime limit each membership year, up to For a maximum of 10 days each visit, each day up to

Sterling Euros

$ US

100 6,500 800 100

125 8,125 1,000 125

170 11,050 1,360 170

20

What is not covered?

We will pay a daily living allowance of up to 100 for a person accompanying you in the event of evacuation for up to 10 days only. We will only transfer children up to the age of 18 who would otherwise be left without a parent or guardian in the event of an evacuation or repatriation of a parent. When transferring mortal remains to your home country or to your specified country of residence we will not pay for burial or cremation, the cost of burial caskets, etc, or the transport costs for someone to collect or accompany your mortal remains. In the case of compassionate visit benefit, we will pay up to 100 a day for up to 10 days only. We do not pay compassionate visit benefit when either an evacuation or repatriation has taken place. For full details of what is and what is not covered please see the membership guide. If youd like to find out more about Worldwide Evacuation, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

21

Cover for pre-existing conditions

If you have a pre-existing medical condition, this option could provide you with the reassurance that you are covered for it. While previously your health insurance may have excluded cover for any existing conditions you or a family member may have, you have the opportunity to apply for cover for them as part of your Worldwide Health Options plan. To find out whether your pre-existing condition can be covered, well assess your individual situation and provide you with your personalised quote. If youd like to find out if we can cover your existing condition, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor.

22

23

USA Cover
If you spend most of your time in the USA, then youll need to buy USA Cover on an annual basis. However, if you spend most of your time outside the USA, you can choose to add USA Cover to your plan when you join or renew, enabling you to access medical treatment in the USA. We cannot cover USA permanent residents as they must be covered by a local insurance company. If you choose to include cover for the USA, we have special arrangements in place if you need to be hospitalised while you are there. These include access to a select network of quality hospitals and other medical treatment providers with direct settlement of all covered expenses when you receive treatment there. * If your plan includes cover for pre-existing conditions, this cover does not
24

apply in the USA.

Deductibles
Deductibles are the contributions you make towards the cost of your treatment.
You can choose from a range of different deductibles, allowing you to manage the cost of your plan. If you choose to have a deductible on your Worldwide Medical Insurance cover, additional deductibles will also apply if you opt for Worldwide Medical Plus or Worldwide Medicines and Equipment (deductibles dont apply to Worldwide Wellbeing or Worldwide Evacuation). The table below explains the value of the deductible which applies to each option. You have treatment in hospital for a broken leg, cost. . . . . . . . . . . . . . . . . . . . . . . . . 1,000 Deductible applied . . . . . . . . . . . . . . . . . .500 from Worldwide Medical Insurance (as this covers hospital treatments) Amount paid by us . . . . . . . . . . . . . . . . . 500 You have physiotherapy for your broken leg

How do deductibles work?

A deductible is the amount you must pay towards covered expenses before we will start paying for your treatment. Deductibles apply separately for treatment you have under each of the options. For example, if you chose Worldwide Medical Insurance with a 500 deductible and Worldwide Medical Plus, the deductible for each would be applied as follows.

Worldwide Medical Insurance

Sterling Euros $ US

Worldwide Medical Plus

Sterling Euros $ US

Worldwide Medicines and Equipment

Sterling Euros $ US

(usually paid from your Worldwide Medical Plus option), cost . . . . . . . . . . . . . . . . . . .300 Deductible applied . . . . . . . . . . . . . . . . . .100 from Worldwide Medical Plus

250 500 1,000 2,000 5,000

300 625 1,250 2,500 6,250

425 850 1,700 3,400 8,500 100 125 170 50 60 80

Amount paid by us . . . . . . . . . . . . . . . . . 200

Once your deductible has been reached, all covered expenses will be paid in line with your benefit limits.

If youd like to find out more about USA Cover or deductibles, a member of our team would be delighted to help. You can speak to us on +44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday, visit www.bupa-intl.com or speak to your local distributor..

25

General exclusions
What is not covered?
There are specific limitations on our core cover and for each of the options. Please refer to the notes following each benefit table in the membership guide for full details. If you have not bought Worldwide Medical Plus, Worldwide Medicines and Equipment, Worldwide Wellbeing or Worldwide Evacuation we do not pay for any of the treatments or benefits included under those options. There are general exclusions which apply for all options. Some of these are explained here.

We do not pay for:

treatment of addictive conditions and disorders, developmental problems, including learning

difficulties and behavioural and physical development problems

including misuse or abuse of substances or alcohol

the purchase of donor organs foetal surgery undertaken in the womb

before birth

infertility treatment sleep disorders temporomandibular joint (TMJ) disorders pre-existing conditions (unless we have agreed to
cover them)

any special conditions listed on your membership

certificate

health hydros/nature cure clinics elective cosmetic surgery/treatment treatment in the USA, unless you have
specifically purchased USA Cover

26

What to do next?
If youd like to find out more about Worldwide Health Options and how they can be tailored to meet your individual needs, or would like a personal quote, speak to a member of our specially trained sales team or your local distributor. Theyll take time to fully understand your requirements and help you to build the right plan for you.

Phone
+44 (0) 1273 208 181 between 8am and 6pm GMT Monday to Friday

European branch addresses

Bupa Denmark 8 Palaegade DK-1261 Copenhagen K Denmark Bupa in Malta 120 The Strand Gzira Malta Bupa France Nice Etoile 30 Avenue Jean Mdecin F-06000 Nice France

Fax
+44 (0) 1273 866 583

Bupa Spain Edif. Santa Rosa 1-D C/. Santa Rosa 20 Los Boliches E-29640 Fuengirola (Mlaga) Spain Bupa Cyprus 3 Ioannis Polemis Street PO Box 51160 3502 Limassol Cyprus You can also contact any of our worldwide distributors. For full details of the rules and benefits of Worldwide Health Options please refer to the membership guide.

Email
[email protected]

Web
www.bupa-intl.com

27

bupa.co.uk Bupa International offers you Global medical plans for individuals and groups Assistance, repatriation and evacuation cover 24-hour multi-lingual helpline

Contact us: General services: +44 (0) 1273 323 563 Medical related enquiries: +44 (0) 1273 333 911

Your calls will be recorded and may be monitored

Bupa International
Russell House, Russell Mews, Brighton BN1 2NR, UK

IN-BWHO-E41-10.v10.2 BWHO SalesBro ML