Bupa Heartbeat Health care select 3 Plus
Bupa has introduced a number of changes to its Heartbeat PMI plans and launched a new version (Select 3 Plus), which sits between its existing levels 2 and 3, offering flexible pricing and underwriting.
The new plan covers:
• All in-patient and day-patient charges, including radio/chemotherapy and diagnostic tests in a Bupa Heartbeat (network) hospital.
• Up to £1,000 a year for out-patient consultations, diagnostic tests, scans, and physiotherapy (and other therapies) combined. Radio/chemotherapy is also covered as an out-patient.
• Private ambulance up to £60 per trip is included, as is parent accommodation with child under age 12.
• A health check can be added at extra cost.
The plan offers a choice of national or local access hospitals. Exclusions include psychiatric treatment, dental and oral treatments and complementary medicine plus overseas treatment, pregnancy/childbirth and complications from excluded or restricted conditions or treatment as well as standard PMI exclusions such as chronic conditions.
Plus points: Simple PMI cover that covers most of the essentials and has a £1,000 out-patient pot too; The Bupa name is pre-eminent in this sector and this plan offers a low cost route into its membership.
Not so plus points: Limited out-patient cover; Limited other benefits (including no NHS cash benefit), although the range of plans available does allow customers to choose the level of cover that best matches their needs and budget; Limited product information available online.
Website: http://www.bupa.co.uk.
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