Bupa International Health Insurance for Expats Review

  1. Major medical. This has a 2million GBP annual limit, a mandatory 5,000GBP deductible and it covers most major/serious medical issues. This plan covers people worldwide.
  2. Select health plan — This has a 1million GBP coverage and it just covers you for the Europen region. It doesn’t cover home nursing, unlike major medical, but it does offer extra benefits like health tests and diagnostics.
  3. Premier health plan — This plan covers you worldwide and has a 1.5millionGBP limit. Even though the limit is 500,000 GBP less than the major medical, it does offer more comprehensive coverage. It covers things such as vaccinations, dental and physiotherapy.
  4. Elite global health plan- this is the most comprehensive plan. It has 3million GBP annual coverage limit and covers maternity, 2 children subject to underwriting and dental, alongside a whole host of other illnesses.
  • They do offer some of the most comprehensive healthcare plans in the market
  • They have access to almost all healthcare medical networks in the world
  • You can review the status of your claims online
  • Benefit levels can vary from country to country. This complicates the process
  • They aren’t as quick as some of the smaller firms. Size often equals slowness and you are ultimately just a number to Bupa. It is a huge mistake to assume “bigger is safer”.
  • They have a good history of paying out claims, but no better than some of the smaller healthcare firms
  • Compared to the UK version, there are more customer complaints about waiting times and general procedures, although Bupa is always trying to improve its processes.

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