Andy Pike Bupa Elite Plan Coverage

Hospitalisation and Specialist Treatment

• Worldwide Cover: Access to medical treatment globally, both in-patient and out-patient.

• Private Hospitals and Clinics: Full choice of medical facilities and specialists.

• In-patient Hospitalisation: Paid in full for eligible treatment.

• Out-patient Services: Consultations, diagnostics, and specialist treatments covered.

Home Nursing (Post-Hospitalisation)

• Paid in full for up to 30 days per policy year.

• Must begin immediately after hospital discharge.

• Must be prescribed by a specialist and medically necessary.

• Provided by a qualified nurse, not for personal assistance.

• Pre-authorisation required.

Hospice and Palliative Care

• For terminal diagnoses when curative treatment is no longer possible.

• Covers:

  • Hospice/hospital accommodation

  • Nursing care and medication

  • Emotional and spiritual support

• Lifetime limit: GBP 25,000

• No hospital stay limitation

Rehabilitation Services

• Multidisciplinary rehabilitation after events such as strokes.

• Includes room, board, and therapies (e.g. physiotherapy, occupational, and speech therapy).

• Coverage: Paid in full, up to 60 days per policy year

• Pre-authorisation required

Cancer Treatment

• Covers diagnosis, treatment planning, surgery, chemotherapy, radiotherapy, and one wig.

• Follow-up consultations and tests included.

• Chemotherapy at home available.

• Coverage: Paid in full

• Pre-authorisation required

Advanced Imaging

• MRI, CT, and PET scans

• Coverage: Paid in full

Advanced Therapy Medicinal Products (ATMPs)

• One course per condition per lifetime

• Must be administered by a specialist and approved locally and by Bupa-appointed specialist

• Coverage: Paid in full

• Pre-authorisation required

Transplant Services

• Coverage includes:

  • Organ transplant treatment and aftercare

  • Bone marrow and stem cell transplants

  • Donor costs (up to 30 days)

• Coverage Limit per condition:

  • GBP 600,000

• Pre-authorisation required

Kidney Dialysis

• Coverage: Paid in full

Treatment for Gender Dysphoria

• Includes hormonal and surgical interventions

• Mental health support included separately

• Coverage Limit: GBP 61,000 per membership year

• Pre-authorisation required

Assisted Fertility Treatment

• After 18-month waiting period

• Covers diagnostic tests, IVF, ICSI, artificial insemination

• Excludes surrogacy, storage, and donor expenses

• Coverage Limit: GBP 6,000 per policy year

• Pre-authorisation required

Maternity/Childbirth

• After 18-month waiting period

• Normal Delivery / Birthing Centre / Home Delivery:

  • GBP 10,000 per year

• Caesarean Section (if medically necessary):

  • GBP 10,000 per year

• Pre- & Post-natal care:

  • GBP 5,000 per year

• Complications of maternity/childbirth:

  • Paid in full

Newborn Care

• Covers treatment within 90 days of birth (if added to plan)

• Coverage Limit: GBP 25,000 per year

Evacuation & Repatriation

• For treatment not available locally

• Covers transport to:

  • Country of nationality or residence

  • Return journey (economy class/land travel, whichever is lower)

• Pre-authorisation required

Air & Road Ambulance

• Covered when medically necessary

• Includes short-distance air transfer (<100 miles)

• Excludes: war zones, mountain rescue

Accompanying Travel Support

• Travel costs for one relative covered if:

  • No medical escort is available

  • Distance >1,000 miles

  • Policyholder has acute illness

• Return cost reimbursed (economy/land travel)

• Living Allowance: GBP 100/day, up to 10 days

Compassionate Visit

• After hospitalisation for ≥5 days

• Travel for a relative:

  • Up to GBP 1,500 per visit

  • Five visits per lifetime

• Living allowance: GBP 100/day, up to 10 days/year

• Pre-authorisation required

Transfer of Children

• Travel for children under 18 covered if left without a guardian during parent's evacuation

Repatriation of Mortal Remains

• Covers cremation/urn or embalming/zinc coffin

• Excludes: funeral ceremonies, caskets, or accompanying person’s travel

General Plan Coverage

1. What is covered under the Bupa Global Elite Plan for hospitalisation?
   The plan covers in-patient hospital accommodation, specialists’ fees, diagnostic tests, surgery, and treatment costs, subject to pre-authorisation for many services.

2. Do I need pre-authorisation for all treatments?
   Pre-authorisation is required for services such as home nursing, cancer treatment, hospice care, rehabilitation, fertility treatment, and repatriation, among others.

3. How long can I receive home nursing care after a hospital stay?
   Home nursing is covered in full for up to 30 days per policy year if prescribed by your specialist and begins immediately after discharge.

4. What is the maximum coverage for hospice and palliative care?
   Coverage is provided up to EUR 31,000, GBP 25,000, or USD 42,000 per lifetime for terminal care needs.

5. What is considered medically necessary treatment?
   Treatments that are essential to diagnose, relieve, or cure a medical condition and are not for personal assistance or comfort are generally considered medically necessary.

Advanced Imaging and Diagnostics

6. Are MRIs covered under this plan?
   Yes, advanced imaging such as MRIs, CT scans, and PET scans are covered in full when medically necessary.

7. Do I need pre-approval for advanced imaging like MRI?
   Typically, no pre-authorisation is needed for advanced imaging, but it’s recommended to confirm with Bupa Global before proceeding.

8. Is diagnostic testing for cancer covered?
   Yes, diagnostic tests related to the planning and management of cancer treatment are fully covered.

Cancer Treatment and Complex Therapies

9. What cancer treatments are included in the Elite Plan?
   Covered treatments include surgery, chemotherapy, radiotherapy, bone marrow transplants, side effect management, and post-treatment consultations.

10. Is cancer treatment at home covered?
    Yes, chemotherapy at home is fully covered if pre-authorised and deemed clinically appropriate.

11. Are wigs covered for cancer patients?
    Yes, the plan covers the cost of one wig following chemotherapy.

12. What is covered under Advanced Therapy Medicinal Products (ATMPs)?
    One course per lifetime per condition is covered if administered by a specialist, approved by the local authority, and endorsed by Bupa Global.

Transplants and Kidney Dialysis

13. Which types of transplants are covered?
    Covered transplants include cornea, kidney, liver, heart, lung, and small bowel, among others, with coverage up to EUR 750,000, GBP 600,000, or USD 1,020,000 per condition.

14. Are donor costs included in transplant coverage?
    Yes, the plan covers donor expenses for up to 30 days post-operatively.

15. Is kidney dialysis covered?
    Yes, dialysis is covered in full whether administered in-patient, day-patient, or out-patient.

Maternity and Newborn Care

16. Is maternity covered under the Elite Plan?
    Yes, after an 18-month waiting period, the plan covers normal delivery, caesarean sections, pre- and post-natal care, and maternity complications.

17. How much is covered for normal or caesarean delivery?
    Up to EUR 12,500, GBP 10,000, or USD 17,000 per policy year is covered for both types of delivery.

18. Are pregnancy complications covered in full?
    Yes, complications such as gestational diabetes and pre-eclampsia are covered in full.

19. Is newborn care covered under this policy?
    Yes, if the newborn is added to the policy, care is covered up to EUR 30,000, GBP 25,000, or USD 31,250 in the first 90 days.

Assisted Fertility and Gender Dysphoria Treatment

20. Is IVF covered?
    Yes, assisted fertility treatments including IVF and ICSI are covered after an 18-month waiting period, up to EUR 7,500, GBP 6,000, or USD 10,200 per year.

21. Are gender dysphoria treatments included?
    Yes, hormonal and surgical treatments are covered up to EUR 76,250, GBP 61,000, or USD 104,000 per membership year, with pre-authorisation.

Rehabilitation and Recovery

22. Is rehabilitation after a stroke covered?
    Yes, multidisciplinary rehabilitation, including room, board, and therapies, is covered in full for up to 60 days per policy year.

23. What types of therapies are included in rehabilitation?
    The plan includes physical, occupational, and speech therapy where appropriate.

Emergency and Travel-Related Benefits

24. Is transportation to hospital in an emergency covered?
    Yes, local air and road ambulance services are covered when medically necessary, though not in high-risk or remote areas.

25. Does the plan cover travel to and from hospital for non-emergencies?
    Taxi fare may be reimbursed in lieu of ambulance transport if pre-approved.

26. Can a relative travel with me during a medical evacuation?
    Yes, reasonable travel costs for a close relative are covered if specific criteria are met, such as serious illness or assistance required.

27. What support is available for children during a parent’s medical evacuation?
    Children under 18 may be covered for travel if they would otherwise be left without a guardian.

28. Are compassionate visits included in the plan?
    Yes, Bupa Global covers up to five visits per lifetime for a relative to visit during a hospital stay of five days or more, with limits on travel and daily allowances.

29. Is the repatriation of mortal remains covered?
    Yes, the plan covers statutory arrangements for transporting mortal remains to the country of nationality or residence, including cremation or embalming.

30. Are return trips after repatriation covered?
    Return travel is reimbursed based on the lower of land/sea cost or economy air fare, but only if the initial evacuation was pre-approved and medically necessary.