Bupa has improved its critical illness policies to offer customers more cover, fairer pricing and no age limits for a wide range of conditions.
It was the first company to introduce premium reductions for excluded conditions on cancer and multiple sclerosis because it believed that it was unfair for customers to pay for cover they could not claim for. Now it has extended this concept to include cardiovascular and diabetic conditions. Customers could benefit from a reduction of up to 45 percent.
The age limit has been removed for several conditions including Dementia, Alzheimer’s, Parkinson’s and Motor Neurone disease. The age limit for the waiver of premium and total permanent disability benefit has been increased to 70 to meet the needs of an ageing population.
Two partial benefit payments have been added - for low-grade prostate cancer and mastectomy in the presence of ductal carcinoma in situ, the former for up to £25,000 and the latter up to a total of £12,500.
People who suffer a critical illness abroad may now no longer need to fly back to the UK to confirm a diagnosis, provided they can be diagnosed at one of Bupa International's 5,500 accredited hospitals and treatment centres around the world.
Steve Casey at Bupa says, “These improvements reflect our commitment to offer simple to understand yet comprehensive critical illness cover. By removing age limits for many conditions and utilising our international coverage, we have made our product even more accessible, flexible and relevant to more people.”