Questions about outpatient allowance

What is the difference between ‘outpatient’, ‘inpatient’ and ‘day-patient’?

• Outpatient: A client attends a hospital or clinic for an appointment but is not admitted and does not stay overnight.

• Day-Patient: A client is admitted to hospital for treatment but does not stay overnight.

• Inpatient: A client attends hospital for treatment and stays overnight or longer.

By adding an outpatient allowance, clients can reduce their premiums. A lower allowance reduces the cost of cover, while a higher allowance increases it. Learn more about outpatient benefit allowances by watching this video: Outpatient Benefit Allowances.

Where do outpatient allowances apply?

Outpatient allowances apply to tests, consultations, and therapies, such as:

• X-rays and diagnostic tests.

• Consultations with specialist surgeons or doctors.

• Physiotherapy and other therapies.

Once a client exceeds their annual outpatient allowances, they would need to fund further private tests, consultations, and therapies themselves. MRI, PET, and CT scans are covered in full when using a Bupa-recognised facility.