Bupa is a global health insurance provider that offers a range of health, travel, and home insurance plans. Their products are backed by CGU Insurance and serve over 40 million customers worldwide.
There are various options, but you should review the product disclosure statement (PDS) before committing to anything. The PDS contains information on the cover, exclusions, limits, and other essential details.
Basic cover
Bupa Travel Insurance Review offers a range of policies that provide you with cover for all the things that can go wrong when you’re traveling abroad. For example, you’ll be insured against unexpected trip cancellations, lost or damaged luggage, and medical expenses if you need to stay in the hospital.
The policy also includes a basic excess that you pay when making a claim, which you can choose to increase or reduce to help keep the costs of your cover down. This will depend on your desired level of coverage and can be an excellent way to save money when you’re taking out a Bupa Travel Insurance policy.
The company also offers an online resource called MembersWorld, where you can manage your claims, make payments, view your benefits, pre-authorize treatments, and receive health support. You can even chat with Bupa staff via web chat.
Coverage for pre-existing medical conditions
Pre-existing medical conditions can cause insurance companies to charge higher premiums or even refuse coverage. However, there are ways to ensure you get the coverage you need.
Health insurance isn’t always a simple process, so it’s essential to read the terms and conditions carefully. This includes the PDS, where you’ll find information about your specific policy.
Bupa offers several different policies, so you will likely find one that suits your needs. Some of these include combined packages, ambulance covers, and personal extras.
The company also offers a range of policies for Australian ex-pats. For example, they also provide a ‘no gap’ policy, which means you don’t pay out of pocket for any treatments or procedures that you need.
You can lodge a claim 24/7 with Bupa, but you should be prepared to provide your insurance advisor with additional documents that may help speed up the process. This can be especially true if you claim medical, dental, or hospital treatment.
Coverage for a range of activities
Bupa offers a range of travel insurance plans to suit all needs and budgets. These range from three tiers of international cover to cancellation-only policies and ski and winter sports cover.
In the UK, Bupa is a subsidiary of IHI – the leading health insurer. It has over 510,000 international private medical insurance customers and is a significant provider to ex-pats worldwide.
It has two main types of international medical insurance: Lifeline Essential and Lifeline Global. The former focuses on significant and critical illnesses that require inpatient treatment, while the latter provides cover for more common conditions.
Each level of cover has its benefit returns and annual limits. Higher tiers include physio, dental and optical cover.
Cancellation cover
A good travel insurance policy should also provide cancellation cover in the event of you having to cancel a trip for the reason that makes sense. Typically, this will mean you get a percentage of your prepaid and nonrefundable trip costs back.
Bupa Travel Insurance Review offers this type of cover as a standalone product or as part of its comprehensive range of travel insurance options. It’s an excellent option for those who want to keep costs down without worrying about missing out on their dream holiday.
This insurer also has a solid set of other travel-related features, such as a hefty cooling-off period that lets you cancel your policy for a full refund within 14 days. They also have a high Trustpilot rating, which means they’ve earned a pretty stellar reputation for customer service and value for money. If you’re looking for the best travel insurance, be sure to look at their products and compare them with those offered by their competitors.
