BUPA Medical

BUPA - International Medical Insurance

BUPA INTERNATIONAL MEDICAL INSURANCE

Bupa International is a leading international expatriate health insurer with customers in over 190 countries.

BUPA Options and benefits at a glance:

  1. Essential Plan (inpatient only) – covers inpatient and Day-patient treatment only (hospitalizations); but with full cancer treatment cover.  Suitable for those who just want to insurer for major eventualities only
  2. Classic Plan (in & outpatient) –covers both hospitalizations and also cover for outpatient treatment (Doctor consultations) BUT does not cover GP/Family Doctor treatment (only covers Specialist Consultations).
  3. Gold Plan(enhanced in & outpatient) – this is the top plan with extra benefits like the Outpatient prescribed medicines, Accident-related dental cover, and higher overall limits. Companies can add Dental benefits at an extra premium
  4. Gold Superior(Enhanced Comprehensive plan for groups only) – this is the top most plan with a $10m overall limits; and higher/generous benefits

BUPA’s Outpatient (non hospitalization) cover/treatment is on reimbursement basis.

BUPA MEDICAL INSURANCE

UNDERWRITER BUPA BUPA BUPA BUPA
TOTAL INPATIENT LIMIT KES103,000,000.00 KES152,500,000.00 KES206,000,000.00 KES10,000,000,000.00
$       1,000,000.00 $         1,500,000.00 $         2,000,000.00 $         10,000,000.00
INPATIENT ESSENTIAL CLASSIC GOLD WHO
Hospital accommodation Standard single room with a private bathroom Standard single room with a private bathroom Standard single room with a private bathroom Standard single room with a private bathroom
Prescription drugs and materials Paid in full Paid in full Paid in full Paid in full
Surgical fees, including anaesthesia and theatre charges Paid in full Paid in full Paid in full Paid in full
Physician and therapist fees Paid in full Paid in full Paid in full Paid in full
Surgical appliances and prostheses Paid in full Paid in full Paid in full Paid in full
Diagnostic tests Paid in full Paid in full Paid in full Paid in full
Organ transplant Paid in full Paid in full Paid in full Paid in full
Psychiatry and psychotherapy Paid in full Paid in full Paid in full Paid in full for 20 days each membership year
Accommodation costs for one parent staying in hospital with an insured child under 18 Paid in full Paid in full Paid in full Paid in full
Emergency in-patient dental treatment Not applicable Not applicable Not applicable Not applicable
Day-care treatment Covered Covered Covered Covered
Out-patient surgery Not applicable Paid in full Paid in full Paid in full
Nursing at home or in a convalescent home $200 each day for 30 days $200 each day for 30 days $200 each day for 30 days Paid in full, not pay for nurses hired in addition to the hospital’s own staff
Rehabilitation treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment
Local ambulance Paid in full Paid in full Paid in full Paid in full
Local Air Ambulance $10,000.00 $10,000.00 $10,000.00 $8,500.00
Emergency treatment outside area of cover - USA Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment
Emergency treatment outside area of cover - USA Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network.
Medical evacuation Paid in full Paid in full Paid in full Paid in full
Expenses for one person accompanying an evacuated person Economy class air ticket by the most direct route available, whichever is the lesser amount Economy class air ticket by the most direct route available, whichever is the lesser amount Economy class air ticket by the most direct route available, whichever is the lesser amount Paid in full, if Worldwide Evacuation Options is also chosen
Travel costs of insured family members in the event of an evacuation For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount
CT and MRI scans Paid in full Paid in full Paid in full Paid in full
PET and CT-PET scans Paid in full Paid in full Paid in full Paid in full
Oncology Paid in full Paid in full Paid in full Paid in full
Maternity - after 10 months’ membership Not applicable $6,000.00 $10,000.00 $3400 only if Worldwide medical plus option is chosen
Maternity - Medically essential caesarean - after 10 months’ membership Not applicable $19,000.00 $23,500.00 $22,100.00
Complications of pregnancy Not applicable $6,000.00 $10,000.00  
Laser eye treatment Not applicable Not applicable Not applicable Not applicable
In-patient cash benefit (per night) $150.00 $150.00 $150.00 $170.00
Emergency out-patient treatment Not applicable Not applicable Not applicable Not applicable
Emergency out-patient dental treatment Not applicable Not applicable Not applicable Not applicable
Palliative care and long term care $41,000.00 $41,000.00 $41,000.00 $34,000.00
Accidental death Not applicable Not applicable Not applicable Not applicable

Log in