Frequently Asked Questions

Bupa UK

There is no age restriction in Bupa UK programs.
Children can be insured as main applicants from the age of 91 days or more, without the need to have an insured parent, in LIFELINE Bupa products. As far as WHO products are concerned, children can have their own policy, from the age of 5 years old.
Regarding the WHO Bupa products, customers with pre-existing conditions have the option of requesting an offer with extra charge with no exceptions. There is a list of such pre-existing conditions. LIFELINE products, on the other hand, do not cover pre-existing conditions with extra charge.
No, consequently, the deductible chosen by the customer shall not be reduced by the amounts covered by other competent insurance bodies.
It is addressed to companies with 3 main members and above. Pricing is based on the country of the member’s permanent residence.
The deductibles are yearly.
You must give the Bupa member card to the hospital. In case of hospitalization in the USA, a pre-approval process is necessary.
You must fill in the claim form and send it over to us with all necessary medical reports and proof of payments.
You will be notified by us within 15 working days about your compensation.

The Bupa LIFELINE (classic and gold) products cover normal childbirth (classic up to € 4,500 and gold up to € 7,500), complications as well as medically essential caesarean section (classic up to € 14,250 and gold up to € 17,250). There is a 10 months waiting period.

The Bupa WHO products cover normal childbirth (up to € 10,000), complications as well as medically required caesarean section (up to € 16,250). There is a 24 months waiting period.

The programs are renewed annually irrespective of age and medical history.

Bupa Denmark

The entry age for Bupa Denmark is up to 79 years.
It provides worldwide cover including USA cover.
Yes, because every paying adult can insure with him/her 2 children of up to 10 years old, free of charge.
At Bupa Denmark, a new member over 60 years old or an existing member exceeding 60, will not have another age increase other than the product increase, in each subsequent renewal. This makes the renewal’s premiums affordable for the customer.
Yes, it provides co-insurance, which means that the amounts of compensation paid by other competent insurance bodies decrease the amount of the deductible you choose.
The deductibles are yearly.
You must give the Bupa member card to the hospital.
You need to send us the necessary medical reports and proof of payments, along with your bank account details.
You will be notified by us within 15 working days about your compensation.
It covers normal childbirth (up to € 5,725) and medically required caesarean section (up to € 10,625). There is a 12 months waiting period.
The programs are renewed annually irrespective of age and medical history.

Bupa Travel

The travel policy plans provide coverage for emergencies from the time one departs from his permanent residence until the time he returns to it.

In this case, you should buy the annual multi-trip travel as it covers all the trips you make in the year, with a maximum duration of 30 days per trip. If a trip exceeds 30 days you can buy an extension for as many extra days as you need.

You should immediately notify Bupa Travel by calling its 24-hour telephone center.

In case of hospitalization, Bupa Travel is directly paying the hospital.
As far as the out-of-hospital expenses are concerned, they are paid by the insured and reimbursed by Bupa Global Travel.

This is the case of Business Travel. This program is addressed to companies that can buy days (minimum 200) and make them available to their members when traveling.

The cover is worldwide, including USA. In case of specific destinations, please contact us to check if special restrictions apply.

Cigna

There is no age restriction in Cigna programs.
No, they should get insured as dependents under a parent.
The annual premium payment method includes a 10% discount, the quarterly includes a 3% discount, while there is no discount for the monthly payment.
The deductibles are yearly.
In cases of planned hospitalizations, a pre-approval is necessary. In case of emergency you should notify Cigna within 48 hours by the moment of treatment. In case of an admission to the hospital, you must provide the Cigna membership card.
You must fill-in the claim form and send it over to us with all necessary medical reports and proof of payments.
You will be notified by us within 15 working days about your compensation.
Cigna’s gold and platinum plans cover childbirth. In particular, normal childbirth (gold up to € 5,500 and platinum up to € 11,000) as well as pregnancy complications (gold up to € 11,000 and platinum up to € 22,000) are covered. There is a 12 months waiting period.
The programs are renewed annually irrespective of age and medical history.
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