Bupa Global’s new range of iPMI (international private medical insurance) products is aimed at UK businesses with employees who work outside the UK.
The range consists of four new products: Business Select, Business Premier, Business Elite and Business Ultimate. The range is tiered on cover and price, which Bupa says is based on extensive customer feedback. Annual limits vary from £2m (Select) to no limit for Ultimate. All versions exclude treatment in the USA, except Ultimate, although it can be added at extra cost.
The new plans are designed to cover all-round health protection for the mind as well as the body and can provide employees with 24/7 cover.
A 43 page guide sets out full details of the cover, options and issues such as how to claim. That includes a useful comparison table of which benefits are included under which plan (on Page 10).
* In-hospital care.
* Evacuation – if emergency treatment isn’t available locally, the employee will be evacuated (and when medically necessary their relative or partner) to where they need to be for treatment.
* Treatment for cancer and other serious illnesses, for as long as needed.
* Hereditary, congenital and chronic conditions.
* Transplants and rehabilitation.
Wellness and screening benefits are not available in the first year of the plan and some other benefits (e.g. psychiatric inpatient treatment and obesity surgery) are only available after two years’ membership. Financial limits apply on some of the plans e.g. outpatient consultants’ fees are not covered under Select, are subject to a £6,400 limit on Premier and are covered in full on Elite and Ultimate plans.
Plans can be denominated in £, US $ or Euros, and Bupa says it can pay claims in over 80 currencies.
What They Say
Managing director Sheldon Kenton, said: “The demands of both companies and their employees are changing as businesses are becoming more global and their employees are travelling more often. We also know that no two businesses are the same and some need a richer offering for key employees. That is why we worked closely with our customers to develop this new range of products and ensure they meet the needs of globally mobile and globally minded businesses. With the new tiered range, it is now easier for companies to choose the right health plan for their employee’s specific needs.”
What We Say
"I groaned a bit when I saw that the members’ guide ran to 43 pages, but actually it sets out what members need to know in both an efficient and friendly manner. It is also set out logically in that it starts with the essential information (how to contact Bupa Global), explains how to use the Membersworld website and then how to claim (including a reminder on the importance of pre-authorisation) before going into exactly what each plan does and does not cover.
"Bupa Global is to be congratulated on offering a range of plans that can be tailored to meet firms’ needs and budgets but which don’t over-complicate. That’s no mean feat and while it does mean some compromises, the reality is that most firms should be able to quickly and easily work out what cover they want for which employees.
"If money is no object, the Ultimate plan provides by far the widest cover, but even the Select plan adds one or two pleasant surprises in what it covers, albeit there is a lot that it doesn’t or that is limited too."