| BENEFITS |
BUPA
localcare |
Norwich
Union Fair & square
|
L&G
lifetime essentials plus |
Standard
Lifeprimecare |
Universal
Provident
|
| SURGEON'S
FEES |
Full Refund for BUPA Partnership consultants |
In Full (to NUHC guidelines) |
Full Refund |
Full Cover |
Full Cover (In select hospitals) |
| ANAESTHETIST'S
FEES |
Full Refund for BUPA Partnership consultants |
In Full (to NUHC guidelines) |
Full Refund |
Full Cover |
Full Cover (In select hospitals) |
| MAX
AGE ON JOINING |
Maximum age on entry 74 |
No maximum age limits |
Maximum age on entry 74 |
Maximum age on entry 74 |
Maximum age on entry 74 |
|
MEDICAL UNDERWRITING |
Yes |
Yes |
No |
Yes |
No |
| 2
YEAR MORATORIUM |
No |
No |
Yes, with medical history disclosed |
Yes |
Yes |
| INTENSIVE
CARE |
If following/related to private in/day patient treatment |
First 7 nights of NHS A&E admissions excluded |
Yes |
Full Cover |
Full Cover (In select hospitals) |
| OUTPATIENT
RADIOLOGY |
Full Refund |
In Full |
£750
pa limit on all outpatient cover |
Full Cover |
Full Cover |
| OUTPATIENT
PATHOLOGY |
Full Refund |
In Full |
£750
pa limit on all outpatient cover |
Full Cover |
Full Cover |
| OUTPATIENT
CHEMOTHERAPY |
£500
Per Annum |
In Full |
£750
pa limit on all outpatient cover |
Full Cover |
Full Cover |
| OUTPATIENT
CONSULTATIONS |
£500
Per Annum |
In Full |
£750
pa limit on all outpatient cover |
Full Cover |
Full Cover |
| OUTPATIENT
PHYSIOTHERAPY |
£500
Per Annum |
In Full, up to 10 sessions pa including osteotherapy
& chiropractic |
6 sessions pa, within outpatient cover £ limit |
£250
pa after related in/day patient stay within 6 months |
G.P. referred £450 pa |
| DIAGNOSTIC
TESTS |
£500
pa outpatient/full cover in/day patient |
In Full |
£750
pa outpatient/full cover in/day patient |
Full Cover |
Full Cover |
| PARENTAL
ACCOMMODATION |
Yes if child under 12 years old |
In Full (child under 14 years) |
Full Refund |
Full Cover (child under 14 years) |
Full Cover (child under 10 years) |
| HOME
NURSING |
£600
Per Annum (minimum) possible extra cover |
In Full (post private in/day patient treatment) |
£650
pa |
No |
Full Cover up to 30 days following inpatient stay
& specialist recommended |
| HEALTH
SCREEN DISCOUNT |
£50
off full BUPA Health-Screen |
No |
No |
No |
No |
| ALTERNATIVE
MEDICINES |
GP Referral £250 pa/part of £500 outpatient limit |
Yes (specialist referred and controlled) |
£250
pa |
No |
Yes, £500 pa |
| CHIROPRACTORS/
OSTEOPATHS |
GP Referral £250 pa/part of £500 outpatient limit |
Yes (specialist referred in full/GP referred 10
combined sessions pa |
£250
pa/part of alternative medicine benefit |
No |
Yes, £500 pa |
| DENTISTRY |
Oral surgery only/separate dental plan available |
Oral surgery only |
Oral surgery only to L&G list of procedures |
No (optional dental cover add-on available) |
No (separate add-on cover available) |
| NHS
CASH BENEFIT |
No |
£250
per night in/day patients to £10,000pa (50% for
u/18's) |
£75
per night |
£100
per night, £2000 pa maximum limit |
£100
per night (up to £2000 pa, excludes first 2 nights) |
| OUT
OF BAND BENEFIT |
N/A BUPA will arrange alternative hospital |
N/A |
N/A |
£225
per night |
N/A |
| DISABILITY
CASH BENEFIT |
No/Separate cover available |
No |
No |
No |
Optional benefit available |
| PRIVATE
AMBULANCE |
£60
per trip/annual limit £120 |
In Full |
£150
per year |
Full Cover |
£200
per person per year |
| PSYCHIATRIC
COVER |
No |
£750
pa out-patient cover |
No |
No |
No |
| LOYALTY
DISCOUNT |
No |
No |
No |
No |
No |
| ANNUAL
PAYMENT DISCOUNT |
5% for annual direct debit or credit card |
Yes, 5% for annual direct debits & credit cards |
No annual payment facility |
Yes 7.5% |
Yes |
| EXCESS
RANGE |
Yes |
Yes |
Yes |
Yes |
Yes |
| CONTRIBUTION
WAIVER |
No |
No |
No |
No |
No |
| CRITICAL
ILLNESS BENEFIT |
No/Separate cover available |
No |
No |
optional |
No |
| PERSONAL
ACCIDENT BENEFIT |
No |
No |
No |
optional |
No |
| HOSPITAL
CASH BENEFIT |
No/Separate cover available |
No |
No |
optional |
No |
| DENTAL
COVER |
No/Separate cover available |
No |
No |
optional |
Available as optional add-on |
| TRAVEL
COVER |
No/Separate cover available |
Available separately |
No |
No |
Available as optional add-on |
| NO
CLAIMS BONUS SYSTEM |
No |
No |
No |
Yes |
No |
| MATERNITY
CASH BENEFIT |
No |
£100
per child, after 10 months of cover |
No |
No |
No |
| PREGNANCY
COMPLICATIONS |
Yes after 12 months continuous membership |
In Full |
Yes, birth must be 10 months after joining |
No |
Yes, after 24 months cover |
| CHILD
AGE LIMIT |
21 years (& unmarried) |
24 years |
21 years |
21 years |
21 years |
| STUDENT
AGE LIMIT |
24 if in full time education |
24 years |
21 years |
21 years |
21 years |
| OVERALL
ANNUAL CLAIMS LIMIT |
No
annual maximum limit |
No annual maximum limits |
No annual maximum limit |
No annual maximum limit |
No annual maximum limit |
| G.P.SURGERY
BENEFIT |
No |
Up to £70 per procedure |
£50 limit for each procedure |
No |
No |
| G.P.
TELEPHONE HELPLINE |
No |
Yes |
No |
No |
No |
| HOSPICE
CARE CONTRIBUTION |
No |
£70
per day up to £700 pa |
No |
No |
No |
