Bupa has a wide range of insurance policies that include hospital coverage. They differ in types of coverage (whether for hospitals only, in combination with extras or packages, including emergency coverage as well) and tiers, which determine the level of coverage that policyholders will receive.
For example, the Bupa Accident-Only Base Hospital shows “Minimum Coverage” as it is a policy designed to protect you from the unexpected and only covers the hospital’s basic needs, such as lung and chest research and treatment.
Meanwhile, the most comprehensive hospital-only plan, Bupa’s Golden Complete Hospital, has full coverage, giving you “complete peace of mind,” as claimed on Bupa’s website. This includes basic hospital needs, up to and including pregnancy or childbirth, joint rehabilitation, chemotherapy or radiation, palliative care, and more.
Regardless of the level of the hospital plan, of all hospital-related expenses reported by Bupa members across the country, 91.5% were covered by the health insurance company.
How about dentistry, physio or optics?
Bupa will only cover some extras if you choose an appropriate plan, such as its extras-only coverage, combined hospital and extras coverage, or the new FLEXtras coverage.
Coverage for the most basic extras (Extras Saver) includes general dental services; however, broader coverage is required to include general dental, physical, and optical services.
The top extra coverage, Top Extras Boost, includes general dental, physical and optical services, as well as more complex healthcare services and needs, from orthodontics to orthopedics and speech therapy.
At Bupa, different coverage levels have different benefit yields and annual limits. For example, his Extras Saver has a 50% discount on general dental services from your provider and an annual cap of $350. By comparison, Top Extras Boost has an 80% benefit for First Providers members and an annual cap of $1,100 per person.
In addition, Bupa’s new offering, FLEXtras coverage, allows policyholders to choose from four or six additional services of their choice to suit their needs; choose a 50% or 60% refund on claims from recognized suppliers; and choose your own annual claims limits. Ultimately, this gives you “the ability to create your own product,” the Bupa website explains.
Are there any other discounts?
Bupa regularly offers discounts on its health insurance plans and incentives for new members. At the time of this writing, customers could get six weeks free when connecting to qualifying products using the “6WEEKSFREE” discount code.
For hospital-only or extra-only products, new members can get four weeks free with the code “4WFHOSPITAL” or “4WFEXTRAS”. All current Bupa promotions are for domestic policy purposes only.
Active offers and discounts can be found on the Bupa website.