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Private Medical Insurance

Overview

We’re pleased to offer you comprehensive and proactive healthcare options. Fisher Investments Europe covers 100% of the membership or premium costs* for supplemental health care for you and your qualified dependants (legal spouse/legal common partner and children).

Our plan with Bupa provides access to private health care to be used supplemental to the NHS, with access to an extensive network of Bupa recognised consultants and hospitals. Your inpatient and outpatient fees are paid in full, pre-existing conditions are covered and there is no annual maximum limit on the cost of treatment. Bupa will cover the costs for your treatment and will send you the details of the claim and your treatment. Please note, there may be a limit on the number of physio sessions and home nursing without further GP referrals.

Learn more about Bupa Private Healthcare Medical Plan coverage.

When can you enrol?

You can opt in to the Bupa plan within 30 days of your hire date or during Open Enrolment.

*Fisher Investments Europe covers the annual cost of this plan, HMRC classifies this as a “benefit-in-kind” and you will be responsible for paying taxes on a monthly basis.


Resources

Your Bupa policy includes

Key features at a glance

Direct access service – For certain medical conditions, you can call Bupa directly for a referral to a consultant, therapist or mental health and wellbeing therapist usually without seeing your GP.

Practitioner options with open referrals – If you ask your GP for an open referral, Bupa will offer you a choice of nearby recognised practitioners, including consultants covered under your policy.

Direct payment for your treatment – Simply call the number on your membership certificate and representatives will explain which nearby consultants, facilities and healthcare professionals are covered under your Bupa membership. You’ll receive a pre-authorisation number so your healthcare provider can send the bill directly to Bupa.

Cash benefits – Your Bupa medical insurance pays cash benefits to you in certain cases, such as when you receive in-patient treatment or cancer treatment provided to you free under your NHS, upon the birth or adoption of your child, for optical goods or services, for treatment of accidental dental injury, and prescription charges for prescribed medicines and/or devices.

Additional plan features

In addition to the key features above, your Bupa policy includes:

Bupa Anytime HealthLine*

If you have any questions or worries about your health, call 0345 604 0537 to speak confidentially with a member of Bupa’s qualified nursing team. They’re available 24 hours a day.

*Bupa Anytime HealthLine is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Calls may be recorded; to maintain the quality of the Bupa Anytime HealthLine service, a nursing manager may monitor some calls, always respecting the confidentiality of the call.

Case management

If you are having eligible treatment that could benefit from Bupa's case management support, a case manager will contact you to help you navigate through your healthcare experience. Your individualised support can include discussing options available to you, liaising with your healthcare professionals and helping you get the most from your policy.

Repatriation and evacuation assistance

You, or if you are unable to, a representative must contact Bupa before any arrangements are made for your repatriation or evacuation. Bupa will check your coverage and explain the process for arranging repatriation or evacuation and making a claim. From outside the UK, or inside the UK when your helpline is closed, call +44 (0)131 588 0542. Lines are open 24 hours, 365 days a year. Bupa may record or monitor calls.

  • Bupa Anytime HealthLine*

    If you have any questions or worries about your health, call 0345 604 0537 to speak confidentially with a member of Bupa’s qualified nursing team. They’re available 24 hours a day.

    *Bupa Anytime HealthLine is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Calls may be recorded; to maintain the quality of the Bupa Anytime HealthLine service, a nursing manager may monitor some calls, always respecting the confidentiality of the call.

  • Case management

    If you are having eligible treatment that could benefit from Bupa's case management support, a case manager will contact you to help you navigate through your healthcare experience. Your individualised support can include discussing options available to you, liaising with your healthcare professionals and helping you get the most from your policy.

  • Repatriation and evacuation assistance

    You, or if you are unable to, a representative must contact Bupa before any arrangements are made for your repatriation or evacuation. Bupa will check your coverage and explain the process for arranging repatriation or evacuation and making a claim. From outside the UK, or inside the UK when your helpline is closed, call +44 (0)131 588 0542. Lines are open 24 hours, 365 days a year. Bupa may record or monitor calls.

My Bupa Digital GP

As part of your Bupa private medical insurance, you have free access to the following services through Digital GP:

  • Talk to a doctor any time of the day or night, directly from your mobile. Appointments are normally available within two hours.

  • Have your prescription sent electronically to your chosen pharmacy for collection, or have your medication delivered to your door for free. (Prescription cost still applies.)

  • My Bupa GPs can issue open referral letters, which can be used in conjunction with your Bupa insurance.

  • My Bupa can analyse millions of symptom combinations in seconds to give you the most relevant health information.

  • Store all your records on the app, with the option to share with your NHS GP.

Get started with My Bupa: Review the user guide to learn more and find out how to register.