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Bupa International makes gold superior

Bupa International has added a fourth level of cover, gold superior, to its group international private medical insurance range.

The gold superior plan provides a higher level of cover than the existing essential, classic and gold options for firms with at least three employees. It has a maximum annual benefit of £5m, $10m or euro 7.5m and covers the full cost of many benefits, while others are subject to individual limits. For example, the plan allows up to 60 outpatient therapist visits a year and provides routine maternity benefit up to £8,000, $16,000 or euro 12, 000 a year. The plan also provides optional cover for treatment in the USA but emergency cover for 28 days is standard on all four plans in the range.

Evacuation and repatriation is another option where treatment is not available locally, so employees will be treated at the nearest place that treatment is available, or treated at home. There is also an optical and dental option.

The plan could suit businesses with globally mobile employees who may move between countries at short notice. It could also be useful for employees working in countries where local healthcare provision is poor or not available.

If firms have more than 10 employees, for an additional cost, they can ask for employees’ medical histories to be disregarded to simplify the enrolment process, which can also be useful.

However, not all benefits are available at the outset, so there are limitations even for this comprehensive plan. For example, the cost of mammogram, smear test, prostate cancer screening and colon cancer screening are paid only once someone has been a member for one year. Similarly, psychiatric treatment is paid for only if the employee has been a member of any Bupa plan that covers psychiatric treatment in the two years leading up to the treatment.

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