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Frequently Asked Questions

Bupa UK

There is no age restriction in Bupa UK programs.
Children can be insured as main applicants from the age of 91 days or more, without the need to have an insured parent, in LIFELINE Bupa products. As far as WHO products are concerned, children can have their own policy, from the age of 5 years old.
Regarding the WHO Bupa products, customers with pre-existing conditions have the option of requesting an offer with extra charge with no exceptions. There is a list of such pre-existing conditions. LIFELINE products, on the other hand, do not cover pre-existing conditions with extra charge.
No, consequently, the deductible chosen by the customer shall not be reduced by the amounts covered by other competent insurance bodies.
It is addressed to companies with 3 main members and above. Pricing is based on the country of the member’s permanent residence.
The deductibles are yearly.
You must give the Bupa member card to the hospital. In case of hospitalization in the USA, a pre-approval process is necessary.
You must fill in the claim form and send it over to us with all necessary medical reports and proof of payments.
You will be notified by us within 15 working days about your compensation.

The Bupa LIFELINE (classic and gold) products cover normal childbirth (classic up to € 4,500 and gold up to € 7,500), complications as well as medically essential caesarean section (classic up to € 14,250 and gold up to € 17,250). There is a 10 months waiting period.

The Bupa WHO products cover normal childbirth (up to € 10,000), complications as well as medically required caesarean section (up to € 16,250). There is a 24 months waiting period.

The programs are renewed annually irrespective of age and medical history.

Bupa Denmark

The entry age for Bupa Denmark is up to 79 years.
It provides worldwide cover including USA cover.
Yes, because every paying adult can insure with him/her 2 children of up to 10 years old, free of charge.
At Bupa Denmark, a new member over 60 years old or an existing member exceeding 60, will not have another age increase other than the product increase, in each subsequent renewal. This makes the renewal’s premiums affordable for the customer.
Yes, it provides co-insurance, which means that the amounts of compensation paid by other competent insurance bodies decrease the amount of the deductible you choose.
The deductibles are yearly.
You must give the Bupa member card to the hospital.
You need to send us the necessary medical reports and proof of payments, along with your bank account details.
You will be notified by us within 15 working days about your compensation.
It covers normal childbirth (up to € 5,725) and medically required caesarean section (up to € 10,625). There is a 12 months waiting period.
The programs are renewed annually irrespective of age and medical history.

Cigna

There is no age restriction in Cigna programs.
No, they should get insured as dependents under a parent.
The annual premium payment method includes a 10% discount, the quarterly includes a 3% discount, while there is no discount for the monthly payment.
The deductibles are yearly.
In cases of planned hospitalizations, a pre-approval is necessary. In case of emergency you should notify Cigna within 48 hours by the moment of treatment. In case of an admission to the hospital, you must provide the Cigna membership card.
You must fill-in the claim form and send it over to us with all necessary medical reports and proof of payments.
You will be notified by us within 15 working days about your compensation.
Cigna’s gold and platinum plans cover childbirth. In particular, normal childbirth (gold up to € 5,500 and platinum up to € 11,000) as well as pregnancy complications (gold up to € 11,000 and platinum up to € 22,000) are covered. There is a 12 months waiting period.
The programs are renewed annually irrespective of age and medical history.

NOW Health International

Now Health International provides cover to new members aged 18 to 79. As protected members, it assumes the risk of covering newborns from the first day of their life, following a simple application procedure, either through the the mobile app, or by contacting Corim. If the protected member is added in the program within the first 30 days after their birth, the company assumes the risk without risk assessment (underwriting).

Now Health International accepts co-insurance; so any amount covered by another entity, this amount will be deducted from the applicable annual deductible (provided that a deductible is specified in the insurance policy).

It is possible to cover some pre-existing conditions with a loading (premium)

Yes, pre-authorization is necessary for any scheduled use of your plan, for both hospitalization and one-day clinics.

Compensation will be given on account. For outpatient costs under €400 you will need to complete the relevant form and provide proof of payment to Now Health International. For expenses over €400, the opinion of the attending physician is also necessary. Documents can be sent to Now Health International, either via the smartphone app or via Corim.

For SimpleCare products, the default geographic coverage is Europe, with the option to extend coverage worldwide outside of the US. For WorldCare products the default option is worldwide coverage without the US , with the option to extend the coverage to the US as well.

Now Health International provides cover for an emergency, for travel up to 30 days even outside the pre-agreed geographical limits. For hospitalization or day care as a result of an accident, expenses are covered up to the annual limit, while for illness a sub-limit is set in the insurance policy depending on the selected package.

Emergency transit and repatriation coverage applies to all Now Health International packages. Therefore, not only will transport be arranged to the nearest hospital with the appropriate infrastructure, but after the treatment the insured person will be repatriated, either to his place of residence or to his country of nationality.

Yes, if the plan is not used for the entire year, a 10% non-use discount (first year) and an additional 5% non-use discount for the second year (total maximum discount of 15%) will be applied to the renewal.

Now Health International maintains a call center that operates 24h/7 all year round and serves in many different languages. In addition, our innovative smartphone app instantly provides all information about exemptions, coverages, nearest partner hospitals, etc.
Now Health International offers company plans to companies that wish to insure 3 or more employees.
Maternity expenses are covered with a 12-month waiting period as default in WorldCare Apex and as an option for group plans of more than 10 people in WorldCare Advance & Excel.
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