What does it cover?
The Ihi Bupa Travel policy is a modular travel policy consisting of three modules:
Basic cover – worldwide medical cover
Purchase of this module is compulsory. This extensive medical cover allows you to use any recognized hospital or doctor wherever you are in the world. Most dangerous sports and occupations are covered as are most risk and war zones. You have access to a 24/7 emergency service giving you the reassurance that help is just a phone call away. There are no deductibles or excess on this part of the policy.
| Ihi Bupa Travel cover | ||||
|---|---|---|---|---|
| Basic Cover | GBP | EUR | USD | CHF |
| Maximum cover per person per trip | Unlimited | Unlimited | Unlimited | Unlimited |
| Hospitalisation | 100% | 100% | 100% | 100% |
| Outpatient treatment by a doctor/specialist | 100% | 100% | 100% | 100% |
| Prescribed medicines | 100% | 100% | 100% | 100% |
| Prescribed treatment by a physiotherapist/ chiropractor |
1,375 | 2,000 | 2,500 | 3,400 |
| Provisional pain relieving dental treatment | 165 | 250 | 300 | 400 |
| Ambulance transportation | 100% | 100% | 100% | 100% |
| Medical evacuation/repatriation | 100% | 100% | 100% | 100% |
| Evacuation | 100% | 100% | 100% | 100% |
| Return trip | 100% | 100% | 100% | 100% |
| Compassionate emergency repatriation | 100% | 100% | 100% | 100% |
| Accompaniment | 100% | 100% | 100% | 100% |
| Compassionate Emergency Visit | 100% | 100% | 100% | 100% |
| Accommodation, food and local transportation for an insured unable to continue their travel itinerary due to acute illness or injury, or persons summoned or accompanying an insured, per person. |
3,300 per day 165 |
5,000 per day 250 |
6,000 per day 300 |
8,000 per day 400 |
| Statutory arrangements in case of death | 100% | 100% | 100% | 100% |
| Home transportation of the deceased | 100% | 100% | 100% | 100% |
| Continuation of trip post treatment (must be pre-approvedd by the Company) |
100% | 100% | 100% | 100% |
Non-medical cover
This module is optional and covers such things as loss of baggage, money etc
| Non-Medical Option | GBP | EUR | USD | CHF |
| Personal accident – death and disability* | 42,000 | 55,000 | 75,000 | 83,000 |
| Baggage – theft, robbery and fire Baggage – loss of or damage to registered baggage |
1,100 | 1,500 | 2,000 | 2,200 |
| Theft of passport and/or cash | 110 | 150 | 200 | 220 |
| Baggage delay | 280 | 350 | 500 | 550 |
| Personal liability – property damage | 280,000 | 360,000 | 500,000 | 550,000 |
| Personal liability – bodily injury | 550,000 | 715,000 | 1,000,000 | 1,100,000 |
| Flight delay – accomodation and food | 300 per day 60 |
350 per day 70 |
500 per day 100 |
550 per day 110 |
| Hospital daily benefit | 1,200 per day 30 |
1,400 per day 35 |
2,000 per day 50 |
2,400 per day 60 |
| Security and legal assistance | 5,500 | 7,200 | 10,000 | 11,100 |
*cf, however, art. 12.2-5) and 12.2-6)
Trip cancellation cover
This module is optional.
| Trip Cancellation Option | GBP | EUR | USD | CHF |
| Single Trip | 1,100 | 1,450 | 2,000 | 2,200 |
| Annual — per trip | 850 | 1,100 | 1,500 | 1,650 |
The complete terms and insurance sums are stated in the Policy Conditions.
You may either purchase single trip cover (maximum length 1 year) or annual cover (any number of trips within a year/each trip up to 1 month duration). Cover may be extended by purchasing additional days.
Who is it for?
This policy is suitable for anyone who does not have medical cover outside of their country of residence. It is also suitable for Bupa Global members who are travelling to the US.
What does it cost?
This will depend on which modules you require and whether you require single trip or annual cover. For single trips it will also depend on your length of trip. Children under 2 are covered free.
Are there any waiting periods?
It is important that you buy medical cover to start from the day you leave your country of residence. If you buy cover after you leave, there is a 3 day waiting period. Pre-existing medical conditions are not covered.
What is the upper age?
Cover is only available up to the age of 70
