Benefit Comparisons

Compare private health insurance benefits using the following table:

For a Range of Premiums from these and other quality Private Health Insurance Companies

BENEFITS	BUPA BUPACare	Exeter Friendly Preferred	Standard Life Primecare Saver	Legal & General Comprehensive
SURGEON'S FEES	Full Refund for BUPA partnership consultants	Full Refund	Full Cover	Full Refund
ANAESTHETIST'S FEES	Full Refund for BUPA Partnership Consultants	Full Refund	Full Cover	Full Refund
MAX AGE ON JOINING	Maximum age on entry 100	Maximum age on entry 79	Maximum age on entry 74	Maximun age on joining 74
FULL MEDICAL U/W	Yes	Yes	Yes	Yes
2 YEAR MORATORIUM	No	Yes	Yes	Yes
INTENSIVE CARE	If following/ related to private in/day patient treatment	Yes within 140 day maximum	Full Cover	Full Cover
OUTPATIENT RADIOLOGY	Full Refund in an eligible BUPA hospital	Yes within £15,000 Oncology benefit	Full Cover	Full Refund
OUTPATIENT PATHOLOGY	Full Refund in an eligible BUPA hospital	£1,750 pa (including CT, MRI & PET Scans)	Full Cover	Full Refund
OUTPATIENT CHEMOTHERAPY	Full Refund in an eligible BUPA hospital	Yes within £15,000 Oncology benefit	Full Cover	Full Refund
OUTPATIENT CONSULTATIONS	Full Refund for BUPA partnership consultants	£600 pa limit on all outpatient cover	Full Cover	Full Refund
OUTPATIENT PHYSIOTHERAPY	£500 Per Annum (Band C)	£250 within Manipulative Therapy Benefit	£250 pa after related in/day patient stay within 6 months	Full Refund
DIAGNOSTIC TESTS	Full Refund	£1,750 pa	Full Cover	Full Refund
PARENTAL ACCOMMODATION	Yes if child under 12 years old	No	Full Cover (child under 14 years)	In Full 1 person staying overnight (child under 13 years)
HOME NURSING	£600 Per Annum (maximum) possible extra cover	£25 per day up to 30 days per year	No	Up to £1500 pa (immediately following inpatient treatment)
HEALTH SCREEN DISCOUNT	Yes, various discounts apply	Yes	No	No
ALTERNATIVE MEDICINES	GP Referral £250 pa/out of overall outpatient limit	Yes, £25 per day up to 30 days pa	No	£500 pa
CHIROPRACTORS/ OSTEOPATHS	GP Referral £250 pa/out of overall outpatient limit	£250 within Manipulative Therapy Benefit	No	£500 pa (out 0f alternative medicine benefit)
DENTISTRY	Oral surgery only	No	No (optional dental cover add-on available	Oral surgery only
NHS CASH BENEFIT	No	£100 per night up to £2,000 pa	£100 per night, £2000 pa maximum limit	£100 per night
OUT OF BAND BENEFIT	N/A BUPA will arrange alternative hospital	N/A	£225 per night	N/A
DISABILITY CASH BENEFIT	No	No	No	No
PRIVATE AMBULANCE	£60 per trip/annual limit £120	£200 per year	Full Cover	Full Refund
PSYCHIATRIC COVER	Yes	No	No	£1,20 pa out-patient cover
LOYALTY DISCOUNT	No	No	No	No
ANNUAL PAYMENT DISCOUNT	5% for annual direct debit or credit card	5% for annual Direct Debit	Yes 7.5%	No
EXCESS RANGE	£100, £150, £200, £250, £500	£100, £250, £500, £1000	£100, £250	£100, £250, £500, £1000
CONTRIBUTION WAIVER	No	No	No	Yes
CRITICAL ILLNESS BENEFIT	No	No	£5,000 or £10,000 cover available as optional add-on	No
PERSONAL ACCIDENT BENEFIT	No	No	Available as optional add-on	No
HOSPITAL CASH BENEFIT	No	No	Available as optional add-on	No
DENTAL COVER	No	No	Available as optional add-on	No
TRAVEL COVER	No / Seperate cover available	No	No	Available seperately
OVERSEAS EMERGENCY COVER	No	30 Nights	No	No
NO CLAIMS BONUS SYSTEM	No	No	Yes, starts at 30% raises to 50% max after 4 years no claims	No
MATERNITY CASH BENEFIT	No	No	No	£100 per child, after 10 mnths of cover
PREGNANCY COMPLICATIONS	Yes after 12 months continuous membership	No	No	In Full
CHILD AGE LIMIT	21 years (& unmarried)	21 years	21 years	24 years
STUDENT AGE LIMIT	24 (if in full time education )	21 years	21 years	24 years
OVERALL ANNUAL CLAIMS LIMIT	No annual maximum limit	No annual maximum limit	No annual maximum limit	No annual maximum limit
FIXED PREMIUM PERIOD	12 months	12 months	12 months	12 months
OCCUPATION/ASSN DISCOUNTS	Various occupation, profession, assoc. discounts	No	Ask	Ask
G.P.SURGERY BENEFIT	No	No	No	Up to £70 per procedure
NHS DAY-CARE BENEFIT	No	No	No	No
G.P. TELEPHONE HELPLINE	No	No	No	Yes
HOSPICE CARE CONTRIBUTION	No	No	No	£70 per day up to £700 pa