BUPA INTERNATIONAL MEDICAL INSURANCE
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Bupa International is a leading international expatriate health insurer with customers in over 190 countries.
BUPA Options and benefits at a glance:
BUPA’s Outpatient (non hospitalization) cover/treatment is on reimbursement basis.
| 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 |