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

It's only natural for you to feel anxious at a time of ill-health. We will do everything we can to help make your claim as simple and straightforward as possible.

4.3 If you have an annual deductible

If you have purchased cover including an annual deductible, the amount of the annual deductible will be shown on your membership certificate. if you are unsure whether your cover is subject to an annual deductible please call us on +44 (0) 1273 323563

Important - please remember that:

* the amount of the annual deductible applies separately to each person included on your membership

* even if the amount you are claiming is less than the amount of the annual deductible, you must submit a claim to BUPA International. This will allow us to include all eligible amounts you are claiming against the annual deductible

* the annual deductibles apply each membership year. Therefore, if a claim spans your renewal date the annual deductible will be re-applied for treatment received after the renewal date

* in order for us to collect any amounts that may become due under the annual deductible, you must have a valid direct debit agreement or credit card authority with us at all times during your membership year. We reserve the right to suspend or terminate your cover if you do not have such an agreement or authority in place.

How an annual deductible works: before BUPA will start paying benefits you must pay an amount towards the cost of treatment which would otherwise be payable by BUPA International. For example, if the amount of your annual deductible is £sterling500, we will not pay the first £sterling500 of costs for treatment each membership year if we would otherwise have paid for that treatment.

How claims will be settled: if the amount of the claim is less than the amount of the annual deductible, no benefits will be paid and the full payable amount of the claim will be accumulated towards the total value of the annual deductible. Subsequent claims will be calculated against the remaining annual deductible.

Once the annual deductible has been satisfied, benefits will be paid in accordance with the table of benefits.

If you submit a claim and have asked us to pay you:

* benefits will be paid less the amount of the annual deductible

* we will send you a statement showing how your claim has been calculated including any amounts set against the annual deductible

If you have requested that we make a payment direct to your medical provider:

* payment will be sent inclusive of any annual deductible amount payable by you to the provider

* we will then collect any sums payable by you using the direct debit mandate or credit card authority, depending on which is your usual method of payment

* we will also send you a statement showing the amount of the annual deductible that BUPA International will be collecting from your account.

You are responsible for paying the annual deductible in all circumstances.

4.1 How to make a claim:...

4.2 How your claim will be paid...

Making a claim

Introduction
What is covered?
What is not covered?
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

main index / índice principal

Disclaimer / Aviso

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Cádiz	Cantabria	Castellón de la Plana	Ceuta	Ciudad Real	Córdoba	Cuenca	Girona	Granada	Guadalajara	Guipúzcoa	Huelva
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Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete