Review of Health Care Select 2 from Bupa
Bupa offer several programmes under their heartbeat options and health care select 2 is their second highest amount of cover you can receive. Here’s our review and more information on this insurance plan.
Summary of the product
Bupa health care select 2 from their heart beat range of health insurance programmes is exactly the same as their top programme (health care select 1) except you don’t get cover for complementary medicine and some of the claim limits are slightly lower.
What are you covered for ?
Here’s a summary of the cover you receive with the Bupa health care select 2 plan:
- All hospital fees and charges as a patient
- All consultants fees
- Out patient consultation fees
- Out patient therapies up to £500 a year (£1,000 with select 1)
- Out patient diagnostic tests
- All cancer charges, consultant fees and hospital charges
- Radiotherapy and chemotherapy fees
- Cancer drugs that are eligible
- Out patient therapies, diagnostic tests and consulting fees for cancer treatment
- Psychiatric treatment consultations, therapies up to £500 in conjunction with the above (after 2 years of membership within the scheme)
- Private ambulance up to £60 per trip
- Parent accommodation if you have a child in hospital receiving treatment
- Access to the Bupa health line
What’s not covered ?
Generally with any health insurance any pre-existing conditions are not covered although some may be if the condition has been treated and you re-apply under the scheme at a later date (consult with Bupa on this in the first instance). Generally also anything to do with general conditions such as aging, child birth, allergies, cosmetic or weight loss treatment are not covered. There is an exhaustive list on the Bupa website so you can see exactly what is and what is not covered by the health insurance offered.
Pricing of this plan
Because every person is different, has a different life style and live around the UK the policy quote will depend on your own circumstances so it’s wise to get online quotes either directly with Bupa or via a broker or comparison website.
When you have your quote read the policy booklet very carefully so you know what cover you and your family are receiving. With Bupa a child is taken as a separate person and is not automatically covered on a family or personal policy (where as other insurers will cover children effectively for free).
There is no medical to undertake although you will be asked questions about your lifestyle and current state of health together with your working occupation and whether you are a smoker. You can also choose various levels of excess values which can lower your monthly subscription but of course you will have to pay a fixed amount per year if you make any claims. You can be treated in an NHS hospital or a private hospital usually of your choice if that hospital has the facilities to undertake the treatment you require.
Making a claim
Bupa have made the claim process as simple as possible and it generally starts with a referral from your GP. Once you have this most of the process can be undertaken and authorised over the telephone and the paperwork is then processed and handled by Bupa. You won’t have to pay out yourself and reclaim back.
For more information on the Bupa health care select 2 plan under their heartbeat insurance range please check out their website.
