Membership guide - International health insurance / medical cover / assurances santé / krankenversicherung / seguro médico / salute / saúde / seguro salud /

Whether you are joining BUPA International for the first time or renewing your membership for another year, we want you to know how much you are valued by BUPA International - thank you for being a member.

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Bold and italic words

Words written in bold and italic are 'defined terms' which are specific terms relevant to your membership. Please check their meaning in the glossary.

Your membership guide

This membership guide sets out the benefits and rules of your BUPA International Lifeline scheme. It explains how your membership works, including what is - and is not - covered and how you can make a claim.

It also includes important information about your subscriptions, when your membership begins, when you should renew it and the action you can take if you need to complain.

This membership guide applies to anyone joining the scheme or renewing their membership on or after the date shown on the front cover (1 April 2003). For anyone joining the scheme, this membership guide applies from the date they join. For anyone renewing their membership, it applies for the period from their first renewal date on or after the date shown on the front cover.

The agreement between you and BUPA International

Only you, the principal member, and BUPA International have legal rights under the agreement between us relating to the cover that you have arranged under the scheme. This means that only you may enforce the agreement, although we will allow anyone who is covered under your membership complete access to our complaints and dispute resolution process. The full name of BUPA International is shown on your membership certificate.

Your membership documents

The following documents make up the agreement between the principal member and BUPA International:

* this membership guide (printed version), as amended from time to time, and

* your application form, and

* your membership certificate.

Your membership certificate shows any conditions, treatment, or charges for which cover is restricted or excluded (if any) that are personal to each individual included in your membership, based on the medical history given to us for each of them. We send all membership documents to the principal member.

The type of treatment covered. Acute and chronic conditions

BUPA international Lifeline covers you for the costs of specialist treatment of acute conditions. By this we mean treatment of diseases, illnesses or injuries which respond quickly to medical or surgical care and which is likely to lead to a full recovery, or to restore you to your previous state of health, without you having to receive prolonged treatment.

In order to keep the cost of your subscriptions as low as possible your cover does not include treatment for chronic conditions. These are diseases, illnesses or injuries which are long-standing, such as diabetes or multiple sclerosis. A more detailed description of what we mean by chronic conditions is given in the What is not covered? section.

Consultant treatment

Unless we specifically state otherwise in this membership guide, we will only pay benefits for treatment provided by a consultant.

What is covered?
What is not covered?
Making a claim
Paying subscriptions and other charges
Important events
General Information
Making a complaint
Glossary
Medical words and phrases

Index

Lifeline:

* provides international private medical insurance for people living or working abroad for at least six months of the year

* for individuals and their families

* three different levels of cover to meet any client's needs:

	Product description (and limits)	Cost	Cost - with option of deductibles
Essential	Essential	Essential	Essential
Classic	Classic	Classic	Classic
Gold	Gold	Gold	Gold

* three areas of cover:

- worldwide including the USA & Canada

- worldwide excluding the USA & Canada

- Hong Kong Worldwide excluding USA and Canada

Exception - Gold cover offers Hong Kong excluding USA.

* optional evacuation cover

* payment of subscriptions - £ sterling, Euro €

- annually

- quarterly

- monthly

Company Scheme ( Castellano Deutsch Français Português )

For more information please contact me:
email	*dmh@e-consultas.com*
Fax:	(00 34) 91 8032484
'phone:	(00 34) 609 522 300
Also more information on..	www.e-healthinsuranceservices.com

BUPA insurance products

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Disclaimer / Aviso

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