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Cover from terrorists

I am writing to clarify Bupa’s policy relating to the recent terrorist incidents for both Jim Gillespie of Independent Financial Services (August 11) and your readers.

Bupa will do all it can to help customers affected by recent terrorist incidents in London and Egypt.

In the UK, the best place for people injured in terrorist incidents such as the recent London bombings is the nearest NHS accident and emergency department. Bupa UK PMI does not cover injuries sustained by acts of terrorism. That said, we have honoured all of those claims received as a result of the recent London bombings and our international PMI business has repatriated two Spanish nationals back to Spain following the recent Egypt attack.

Our life insurance, critical illness cover and income protection policies do not have any exclusions for people affected by terrorist incidents.

Advisers should recommend the most appropriate level of cover for each individual’s needs. While the threat of terrorism in the UK is high, the incidence of terrorist attacks is low. Although terrorist cover is available, premiums will reflect the increased level of insurance risk.

ANN GREENWOODDirector business markets, Bupa

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