Bupacare Group scheme for the Armed Forces

• View HM Forces Bupacare group scheme policy summary in full (pdf)

Bupa care	Benefits	Notes
In-patient and day-patient treatment
Hospital charges		In a Bupa Participating hospital, in a room within your scale of cover.
Consultants’/specialists’ fees		In a Bupa Participating hospital - Bupa benefit limits apply if the consultant is not a Bupa partnership consultant.
Diagnostic tests		In a Bupa Participating hospital.
Radiotherapy/chemotherapy		In a Bupa Participating hospital, or for certain conditions in a Bupa specialist treatment centre, and in a room within your scale of cover. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant.
Psychiatric treatment	Up to a maximum of 45 days per year	After two years continuous membership and in a Bupa psychiatric network hospital. This is a discretionary benefit and claims should be authorised before treatment begins.
Out-patient treatment
Consultation with a consultant/specialist		With a Bupa recognised consultant.
Diagnostic tests		MRI, CT and PET scans in a Bupa recognised out-patient diagnostic imaging centre.
Radiotherapy/chemotherapy		In a Bupa Participating hospital or, for certain conditions, a Bupa specialist treatment centre. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant.
Physiotherapy (and other therapies)†	Scale A – up to £800 a year** Scale B – up to £650 a year** Scale C – up to £500 a year**	On a GP or Bupa recognised consultant referral to a Bupa recognised therapist. This is a combined overall limit for all therapies.
Psychiatric treatment		By a Bupa recognised consultant and only after two years continuous membership. This is a discretionary benefit and claims should be authorised before treatment begins.
Additional benefits.
Nursing at home	Up to £600 a year	Following eligible private in-patient treatment covered by your scheme.
Private ambulance	Up to £120 a year	£60 maximum for any single trip.
Parent accommodation		When staying with a child under 12 receiving eligible private in-patient treatment, one parent only.
NHS cash benefit	Scale A - £30 a night** Scale B - £25 a night** Scale C - £20 a night**	Up to a maximum of 35 nights a year for eligible in-patient treatment.
Complementary medicine†	Up to £250 per membership year	On GP or Bupa recognised consultant referral to a Bupa recognised complementary medicine practitioner.
Overseas treatment	Up to £200 for hospital charges. Up to Bupa benefit limits for consultants fees.	For eligible treatment that you need when you are stationed overseas as a member of HM Forces, or emergency treatment that you need because of a sudden illness or injury when you are travelling outside the UK. NB There are no Bupa Participating hospitals or partnership consultants overseas so monetary limits apply.

*Lines are open 9:00-5.30pm Monday to Friday GMT. Calls from UK landlines are free, however mobile phone providers may charge. Calls made from outside of the UK may be subject to higher charges. Calls may be recorded and may be monitored.

** According to the scale of cover chosen

† Please note that the benefit limit for physiotherapy (and other therapies) includes the £250 available cover for complementary medicine)