BUPA is the largest British healthcare organization located in London, United Kingdom.
Purchasers of term life insurance gain access to the BUPA health line, a 24/7 service providing health and well-being information.
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BUPA is the largest British healthcare organization located in London, United Kingdom. The company serves over 10 million clients in more than 200 countries. BUPA is a private company, meaning customers pay for the services provided.
BUPA was established in 1947 as an alternative to the National Health Service, which offers medical assistance to all taxpayers without direct cost at the point of use. BUPA expanded rapidly after its founding. It provides life insurance to individuals, companies, and organizations. Many major companies in the United Kingdom participate in BUPA healthcare programs. Over time, BUPA diversified its services to include related areas such as travel insurance, health insurance, hospitals, and health assessments. Previously, BUPA partnered with Friends Life for life insurance and financial services.
BUPA life insurance offers financial support to families upon the death of the insured person or following a terminal illness diagnosis. Policies can be for a single person or joint. Customers can select from five term cover options: level, mortgage, decreasing, renewable, and family income benefit. Two premium types are available: guaranteed and renewable.
Purchasers of term life insurance gain access to the BUPA health line, a 24/7 service providing health and well-being information. Trained and professional nurses answer calls, offering guidance on topics ranging from smoking cessation to preparation for surgery.
Customers can enhance their BUPA life insurance with optional add-ons for an additional cost. These include premium waiver, total permanent disability cover, fracture cover, and cover indexation to adjust for inflation. Indexation can be linked to the Retail Price Index (RPI), the Average Weekly Earnings (AWE) index, or a fixed 3% annual increase.
BUPA critical illness cover is designed to protect families financially if the insured person is diagnosed with a critical illness. Upon diagnosis of an illness from the covered list, a lump sum payment is made, which can be used for medical expenses or to maintain living standards. Currently, the list includes a range of illnesses.
BUPA offers a premium reduction option based on exclusions. If certain critical illness conditions are removed from the cover, the premium is reduced. This can be beneficial for individuals with pre-existing conditions or a family history of specific illnesses who might otherwise face difficulty obtaining cover. By excluding these illnesses, they can obtain limited critical illness cover at a more affordable price.
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Income protection benefit provides a monthly income if the insured person is unable to work due to illness or accident. Customers can choose between term to retirement cover and fixed term cover. Guaranteed and renewable premiums are offered. Policyholders can also select from six deferred periods: 1, 2, 3, 6, 12, or 24 months. A premium waiver benefit is included, suspending premium payments for periods of incapacity exceeding three months.
Additional benefits include career break benefit, proportionate and rehabilitation benefit, child care benefit, and hospital inpatient benefit. Child care illness benefit provides a payout if the insured person’s child is diagnosed with a covered illness. Hospital in-patient benefit provides payments starting after six nights of hospitalization due to illness or injury, up to £200 for a maximum of 90 days of hospitalization.
