Private medical insurance
- Help protect you and your family with cover for a range of treatments for acute conditions
- 24/7 access to expert advice via the Anytime Healthline
- Bupa Blua digital GP service with unlimited access to GP video consultations
- Bupa Touch digital portal provides you access to your electronic membership details, all policy documents, and links to other digital services including Finder, Bupa Blua & Be.Me
- Be.Me Wellbeing app helps you understand and engage with your health & wellbeing 24/7, supported by a virtual coach
- Join during the annual window (in September) or within 2 months of starting at NTU
- Payment spread over 12 months
- Add your family
Please refer to the MyBenefits Terms and Conditions.
This is a core benefit for certain roles. Click here for more information.
Important information about your cover
Cover does not apply to accident and emergency treatment.
Private Medical Insurance is designed to cover you for future risks - When you take out a health insurance policy with Bupa, they will usually exclude cover for any symptoms, conditions, illnesses, or injuries you had before you joined. The policy operates on a moratorium basis, you can read below for more information on moratorium underwriting.
How and when can I join?
| Colleague type | Enrolment window | When we process your request | Benefit effective date | How to join |
|---|---|---|---|---|
| Annual enrolment (existing colleagues) | Open annually in September | Enrolment window announced in August | 1st October | Complete the benefit selection form by clicking 'Join' on the benefit page |
| New to NTU | Join any time within the first two months of joining NTU |
1st of each month
e.g. we’ll process your benefit selection form on 1st November if we receive it by then, but if you submit a request on 2nd November, we’ll process it on 1st December. |
Your benefit will start from the 1st of the month following enrolment
(e.g. requests received by 1st November will be valid from 1st December with salary deductions commencing from December’s pay). |
Complete the benefit selection form by clicking 'Join' on the benefit page |
Can I purchase this for my spouse/partner or children?
Complete the details for your spouse/partner and children on the benefit selection form. You can add your family members at the same time as you select this benefit for yourself or during the enrolment window, which is open each year in September.
What is covered by the policy?
Your insurance is designed to cover future risk of acute conditions. Acute conditions are unexpected or sudden and can be resolved by treatment. Conditions that are excluded from the policy are:
- Pre-existing conditions – See information on moratorium underwriting below
- Chronic conditions – See information on chronic conditions below
- Mental Health – See the Employee Assistance Programme for support
What is moratorium underwriting?
Moratorium underwriting means you do not have to complete a medical declaration at the start of the policy, instead, you will be automatically excluded from any treatment you received up to 5 years prior to the start date.
Once you have reached 5 years since treatment and have been clear of any follow-up treatment for that condition for two consecutive years, you can request for your excluded condition to be added to the policy for future cover.
What are chronic conditions?
Health insurance doesn’t cover you for chronic conditions. A chronic condition is an illness or disease which has at least one of the following characteristics:
- It is likely to come back
- No known cure
- Continues indefinitely
- You need specific training or rehabilitation
- Needs ongoing control or relief of symptoms
- Needs monitoring by consultations, examinations, check-ups, and tests
Examples of chronic conditions include arthritis, asthma, diabetes, and psoriasis.
Is mental health covered by the policy?
Mental health cover is excluded from this policy with Bupa. You can access support through the Employee Assistance Programme.
How do I make a claim?
Standard claims are subject to GP referral. Once you have seen your GP and they have provided you with a referral, you can establish a claim with Bupa.
Alternatively, if you are experiencing any of the symptoms below, you can call Bupa directly. They will check that your symptoms are covered and explain how you can get help. You may be able to get treatment without a GP referral.
Further information is available on the Bupa’s ‘Get treatment’ page.
More information on making a claim can be found here.
What if I forget to contact Bupa before continuing with treatment?
If you don’t contact Bupa and continue with any recommended diagnostics or treatment, you may have to pay the costs for these services if they aren’t covered by your healthcare policy.
What is the outpatient benefit?
The annual outpatient benefit limit with this policy is £1,000 per member.
Can I cancel or amend my cover?
Complete and submit a benefit selection form to cancel or amend your private medical insurance. Due to the nature of this benefit, cancellation or amendment is only possible if you experience a life event (see examples below), or at the end of the policy year during the annual enrolment window in September.
Life events include:
- Birth or adoption of child
- Marriage or civil partnership
- Divorce or dissolution of civil partnership
- Death of spouse, partner, or dependent child
What happens if I leave before the end of the benefit year?
Your cover will remain in place until the last day of the month in which you leave.
You have the option to stay with Bupa on a new, personal policy. Bupa may continue to cover any ongoing or existing conditions if your new policy starts within three months of your old scheme ending. This will depend on your new policy’s benefits and terms. Give Bupa a call and they’ll talk through your options.
Find out more about leaving your company scheme by calling Bupa on 0161 820 7833. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.
If you are an existing scheme member with queries about a claim or wishing to make a new claim contact Bupa’s Member Services team on 03456 090 111. Please have your policy number to hand, which is detailed in your member documentation.
Annual costs*
| Cover level | Under 65 | Over 65 |
| Individual** | £1,002.22 | £2,004.44 |
| Couple | £2,004.44 | £4,008.88 |
| Family | £2,505.53 | £5,011.10 |
| Single parent family | £1,503.31 | £3,006.66 |