Private Health Insurance

Insurance Product Information Document

Company: Bupa Insurance Limited Product: Bupa LocalCare Policy

Registered in England and Wales. Authorised in the United Kingdom by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority, registration number 203332.

This is a summary of the insurance cover. Full terms and conditions of the policy are contained in the membership guide and on your membership
certificate. We will send a confirmation of special conditions for anyone to whom a special condition applies which forms part of our agreement
with you. It is important you read all of these documents carefully.

What is this type of insurance?

Private health insurance, which is designed to cover the costs of private healthcare, from diagnosis to treatment.

What is insured? What is not insured?

In-patient and day-patient treatment û Benefits that are not covered and/or are above your benefit limits
ü Hospital treatment – paid in full û Complementary and alternative therapy products or preparations
ü Diagnostic tests – paid in full û Convalescence, rehabilitation and general nursing care
ü Scans (MRI, CT, PET) – paid in full û Drugs and dressings for out-patient or take home use other than
ü Radiotherapy and chemotherapy – paid in full for cancer
Out-patient treatment
û Excluded treatment or medical conditions
ü Scans (MRI, CT, PET) and diagnostic tests - paid in full
û Experimental drugs which are not licenced
ü Consultations and therapies – a combined limit of £500 per
û Health screening, routine tests, monitoring and preventative
treatment other than certain cancer exceptions
person, per year
ü Complementary medicine – up to £250 per person, per year from
û Medical exclusions (special conditions) as detailed on any
confirmation of special conditions we send
within the out-patient consultations and therapies limit
ü Radiotherapy and chemotherapy – paid in full
û Treatments that are unproven based on established
medical practice
• When out-patient treatment is for eligible cancer treatment, û Unrecognised medical practitioners, providers and facilities
benefit limits don’t apply
Treatment of or relating to
Other benefits û Accident and emergency admissions
ü Anytime HealthLine – 24/7, unlimited telephone consultations û Allergies, allergic disorders or food intolerances
with our team of nurses and GPs û Birth control, conception and sexual problems
ü Family Mental HealthLine – 8am to 6pm Monday to Friday, û Complications from excluded conditions/treatment and
telephone information and advice from a trained adviser and experimental treatment
mental health nurse about your child’s emotional wellbeing û Deafness that is not due to an acute condition or injury
ü Parent accommodation – child aged 17 or under, one parent û Eyesight correction that is not due to an acute condition or injury
per night û Gender dysphoria or gender affirmation
ü Private ambulance – £60 per journey, up to £120 per year û Learning, behavioural and developmental conditions
ü NHS Cash Benefit for treatment for cancer û Mental health
• £100 each night for NHS in-patient treatment, or û Pandemic or epidemic disease
• £100 for NHS out-patient, NHS day-patient or NHS home û Sleep related disorders
treatment for cancer, or û Weight loss
• £100 for each three-weekly interval, or part thereof, during
which you take oral chemotherapy, or oral anti-hormone
therapy that is not available from a GP Are there any restrictions on cover?
• A number of excess options are available. You can choose to pay
a policy excess, where you pay up to the first £100, £150, £200, ! Benefit limits apply for in-patient and day-patient consultants/
£250 or £500 of your eligible treatment costs in any policy year. specialist fees if they are not fee-assured consultants
Details of the excess option that you have chosen are shown on ! Cancer treatment is only paid in full when you use a Bupa
your membership certificate. The membership guide provides full recognised facility (within your facility access) and a Bupa
details of how it works recognised consultant who agrees to charge within our limits
(a fee-assured consultant)
Other benefits apply, see full terms and conditions. ! Treatment and scans must be in a Bupa recognised facility
(within your facility access and recognised for the treatment or
scan you need)
! Treatment must be provided by a consultant recognised by Bupa
for the treatment you need
! When you claim for eligible treatment costs under a benefit that
has a benefit limit, where applicable your excess amount will count
towards your total limit for that benefit

Restrictions are continued on page 2

 Are there any restrictions on cover? (continued)

Restrictions apply to treatment of the following

! Chronic Conditions (we pay for treatment of unexpected acute symptoms resulting from a flare-up)
! Cosmetic surgery to change or restore your appearance
! Dental/oral treatment
! Pre-existing conditions
! Pregnancy and childbirth
! Speech disorders
Other restrictions
! Advanced therapies and specialist drugs
! Contamination, wars, riots and terrorist acts
! Critical and Intensive care
! Dialysis
! Overseas treatment
! Supply or fitting of physical aids and devices eg crutches, hearing aids
! Temporary relief of symptoms
! Treatment to relieve the symptoms of ageing, menopause and puberty
! Varicose veins of the legs

Other restrictions apply, see full terms and conditions.

Where am I covered?

ü UK, including Channel Islands and the Isle of Man

What are my obligations?

Obligations at the start of the contract:

• You must pay your premiums on or before the date they are due
• You must be a UK resident and registered with a GP
• You must provide medical history (as required)
Obligations during the term of the contract:
• You must tell us of any changes in your or your dependants’ address
Obligations in the event that a claim is made:
• You must provide any information we require to assess your claim, including medical information
• You must obtain pre-authorisation for any covered benefits where it is stated that this is required in the membership guide
• Your treatment must be with a practitioner recognised by Bupa and registered with the relevant professional body
• You must pay any policy excess (where applicable)
• You must let us know if you have other insurance which also covers your covered benefits

When and how do I pay?

• Monthly by Direct Debit or annually by Direct Debit or debit/credit card unless otherwise agreed

When does the cover start and end?

• The term of the contract is 12 calendar months. Your policy will be renewed automatically and payment taken, unless you choose not
to continue
• You can find your policy start and end date on your membership certificate

How do I cancel the contract?

• You can cancel your policy, or your dependants’ cover, within 21 days of receiving your policy documents or the start date of your policy
(whichever is later) and receive a full refund if no claims have been made. After this period you can cancel your policy, or your dependants’
cover, at any time and we will refund any premiums you have paid relating to the period after your policy ends
• To cancel call us on 0800 010 383, we may record or monitor our calls, write to us at Bupa, Bupa Place, 102 The Quays, Salford M50 3SP,
or email us at [email protected]. Please be careful what you include as email may not always be secure.

For people with hearing or speech difficulties you can use the Relay UK service on your smartphone or textphone. For further information visit
www.relayuk.bt.com. We also offer documents in Braille, large print or audio.

Bupa Insurance Limited, registered in England and Wales No. 3956433. Registered office: 1 Angel Court, London EC2R 7HJ
 PERS/3100/JAN23 BINS 09586 106319 UNI