The changes include premium discounts for diabetes and cardiovascular risk, which means clients won’t be charged for cover not offered. To date Bupa offers discounts for cancer and multiple sclerosis.
Other changes include the introduction of a simplified two partial payment structure for low-grade prostate cancer and mastectomy.
In addition Bupa now allows CI policyholders to be diagnosed overseas rather than return to the UK for confirmation of the diagnosis. It has also removed the age limit for conditions including dementia, Alzheimer’s, Parkinson’s and Motor Neurone disease.
The age limit for the waiver of premium and total permanent disability benefit has also been increased to 70 from 65, as part of Bupa’s plans to meet the needs of an ageing population.
Bupa Individual Protection product and marketing manager Steve Casey says: “These improvements reflect our commitment to offer simple to understand yet comprehensive critical illness cover. By removing age limits for many conditions and utilising our international coverage, we have made our product even more accessible, flexible and relevant to more people.”