We make it simple
We know sometimes insurance policies are hard to understand; that’s why we have made it simple for you.
- Coverage: the amount of money we cover for a specific service or medical treatment.
- Maximum limit: the maximum amount we pay in total for all the benefits per insured, per policy year.
- Premium: the amount of money you pay for your medical insurance. Usually, it may be paid quarterly, semi-annually, or annually.
- Deductible: the amount of money you must cover each policy year before we start paying any expenses.
- Coinsurance: the percentage applied to the total expenses covered that you are responsible for after paying the deductible.
- Waiting periods: some benefits are subject to a waiting period, which is the time you have to wait after the effective date of coverage for benefits to be paid.
- Copay: small fixed amount of money you cover during each visit to the doctor.
- Pre-authorization: a decision made by the company to determine if a medical service, treatment, prescribed medication, or durable medical equipment is medically necessary.
- Pre-existing condition: an illness, ailment, or healthcare condition diagnosed prior to the effective date of coverage, which can be determined by a medical diagnosis or through medical records.
- Hospitalization: admittance to a hospital, clinic or medical facility for more than 23 hours to receive medical or surgical treatment.
- Loss: a specific incident covered by the insurance policy that we must reimburse totally or partially according to the contract.
- Claim: a detailed invoice for medical services received.
- Exclusion: a specific circumstance or medical condition that is not covered by your policy.
- Direct Payment: the easiest way to pay for a medical service. We pay the healthcare provider directly for any covered expenses, and you only pay any deductible and/or coinsurance due. Click here for additonal information.
- Reimbursement: we pay you for any amount you may have paid a healthcare provider for covered services or treatment received. Click here for additonal information.
- Expert opinion or second medical opinion: provides access to independent international medical experts that perform a comprehensive review of the case and make diagnostic or therapeutic recommendations if necessary.
- Out-patient treatment: does not require hospitalization. You may receive ambulatory treatment at a clinic or medical office and return home the same day.
It is important that you review all your policy documents, like your Welcome Guide and General Conditions, which are included with the welcome kit you received when you first got your policy.
If you prefer, you may also download a digital copy through the Policy Documents link.
* Please verify that the Welcome Guide and General Conditions correspond to your product and country.
We invite you to register for online services, where you will also have access to a digital version of your ID card. If you would rather use your mobil phone, we recommend downloading the MyBupa app from the App Store.