PRODUCTS AT A GLANCE. bupa.co.uk

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1 PRODUCTS AT A GLANCE bupa.c.uk

2 Our healthcare ptins have been designed with the needs f small and medium businesses in mind. Yu culd chse the cver that is relevant t yur wrk and t yur budget. SELECT Cmprehensive healthcare cver. LIMITS FOR EACH MEMB BENEFIT SELECT KEY Our base level f Select cver SELECT ENHANCED Extra cver fr added reassurance SELECT COMPLETE Our highest tier f cver FACILITY ACCESS Facility access OUT-PATIENT CONSULTATIONS AND TREATMENT Over 300 partnership facilities natinwide Over 600 participating facilities natinwide Out-patient cver such as cnsultatins, X-rays and diagnstic tests 1,000 a year 1,500 a year Paid in full 1 Cmplementary therapies up t 250 within yur ut-patient benefit limit abve up t yur ut-patient benefit limit abve Paid in full 1 Out-patient Magnetic resnance imaging (MRI) Cmputerised tmgraphy (CT) and Psitrn emissin tmgraphy (PET) scans Paid in full 2 BEING TREATED IN HOSPITAL AS A DAY-PATIENT OR IN-PATIENT Cnsultant fees and facility charges Paid in full 1 CANCER TREATMENT Cancer cver Paid in full 1 NHS cancer cash benefit if yu chse t have eligible cancer treatment under the NHS rather than privately 100 each night f in-patient stay r 100 each day fr ut-patient, day-patient and hme treatment fr cancer. Fr ral chemtherapy, it is paid fr each three-weekly interval r part theref 4 MENTAL HEALTH TREATMENT Mental health cver Cnsultant and facility charges fr day-patient and in-patient care Paid in full up t 45 days each year fr eligible treatment in recgnised facilities with partnership cnsultants ADDITIONAL BENEFITS Hme Nursing when immediately fllwing private eligible in-patient treatment Ambulance Cver when related t private eligible in-patient, day-patient treatment NHS Cash Benefit 1 if yu chse t have in-patient treatment under the NHS rather than privately 2,000 each year up t 80 each single trip n annual limits 50 a night fr up t 35 nights a year OPTIONS TO ENHANCE COVER Island cver Fr residents f Jersey, Guernsey and the Isle f Man Includes travel t UK mainland OPTIONS TO MANAGE COSTS Excess ptins 0, 100, 150, 200, 500 Six week scheme If the NHS can prvide treatment within six weeks f the recmmended treatment date, then treatment is with the NHS. If nt, treatment is with Bupa 20% discunt n the cst f cver Key Ntes General exclusins apply

3 FOUNDATIONS Lwer cst (than Select) healthcare t help cver mre f yur wrkfrce. ER AND BENEFIT NOTES DIAGNOSIS Cver fr diagnsis nly 750 a year (related t diagnsis nly) TREATMENT Cver fr treatment fllwing diagnsis by NHS Open referral* 750 a year (related t treatment nly) COMBINED CARE Diagnsis and treatment f certain cnditins 750 a year Paid in full 3 (up t diagnsis nly) Paid in full 5 Paid in full 3 *Open Referral Yur cver depends n yu fllwing the Open Referral pre-authrisatin prcess. This means that when yur GP refers yu fr a cnsultatin r treatment yu must ask yur GP fr an Open Referral letter that details the care yu need but is nt addressed t a named cnsultant, healthcare practitiner r treatment facility. Yu must then call us t pre-authrise yur cnsultatin r treatment. We will prvide yu with a chice f cnsultants, therapists r recgnised facilities (as applicable) that are cvered under yur benefits. Paid in full 3 (up t diagnsis nly) Paid in full 3 (fllwing diagnsis nly) Paid in full 3 Paid in full fllwing diagnsis nly when the raditherapy, chemtherapy r surgical peratin yu need is nt available frm yur NHS 3 Paid in full nly when the raditherapy, chemtherapy r surgical peratin yu need is nt available frm yur NHS each night f in-patient stay r 100 each day fr ut-patient, day-patient and hme treatment fr cancer. Fr ral chemtherapy, it is paid fr each three-weekly interval r part theref 4 Paid in full up t 45 days 5 Paid in full up t 45 days 3 2,000 each year fllwing diagnsis up t 80 each single trip fllwing diagnsis 50 per night fr up t 35 nights per year 0, 100, All yur csts are paid in full fr eligible treatment n yur cre health insurance, when yu use a healthcare facility within yur chsen Bupa netwrk, and a Bupa fee-assured cnsultant. 2 Paid in full as part f eligible treatment when requested by yur cnsultant and perfrmed at a Bupa recgnised facility. 3 When yu use a cnsultant and a recgnised facility frm the chice we prvide t yu at pre-authrisatin. 4 We pay NHS cancer cash benefit fr raditherapy, chemtherapy r a surgical peratin that is fr cancer treatment that wuld therwise have been cvered fr private in-patient, ut-patient r day-patient treatment under yur benefits. 5 When directly related t ut-patient, day-patient r in-patient treatment and fllwing within six mnths f yur discharge date f that treatment with a cnsultant and a recgnised facility frm the chice we prvide t yu at pre-authrisatin. In additin t general exclusins, mental health cnditins are als excluded General exclusins apply In additin t the general exclusins, the fllwing exclusins als apply: eye cnditins; muscle, bne and jint cnditins; skin cnditins; dental/ral cnditins.

4 BUPA DENTAL PLAN With five levels f business dental insurance t chse frm and a range f payment ptins, yu culd cver all r just sme r yur emplyees. Frm the 1 January 2015 we have updated ur Bupa Dental Plan with sme imprved benefits. Annual limits n Dental Cver Type f treatment Cre Level 1 Level 2 Level 3 Level 4 Rutine dental treatment Emergency dental treatment Dental injury treatment 100% reimbursement fr NHS treatment 100% reimbursement fr NHS treatment 100% reimbursement fr NHS treatment Annual benefit limits subject t belw benefit schedule ,000 3,000 5,000 5,000 5, % NHS treatment N annual benefits limit paid in full Cash benefit fr hspital stay n/a 50 a night up t 1,000 each year Oral cancer treatment n/a N annual benefit limit paid in full when yu use a healthcare facility within yur chsen Bupa netwrk, and a Bupa fee-assured cnsultant. Six mnth waiting perid applies Bupa Benefit Limits Item f treatment Cre Level 1 Level 2 Level 3 Level 4 Examinatin per examinatin up t tw examinatins per year n/a X-rays annual maximum n/a Scale and plish maximum f tw treatments per year Fillings including rt and canal treatment annual maximum n/a n/a Extractins annual maximum n/a Crwns, bridges, dentures, veneers, cclusal splints (muth guards) and surgical implants 80% f csts per treatment up t maximum per year n/a ,000 Anaesthetist fees annual maximum n/a Orthdntic Cver annual maximum n/a NHS annual benefit limits Band 1 Band 2 Band 3 100% reimbursement fr NHS treatment Bupa Benefit Limits

5 CASH PLAN (Wellbeing Health Expenses) Will cver yur emplyees fr a wide range f everyday healthcare expenses including ptical and dental care and specialist therapies. Yur level f cver Cash back Level 1 Level 2 Level 3 Psitive health Access t ur nline health assessment Bupa Health Assessments 100% Up t 100 Up t 150 Up t 200 Emplyee Assistance Prgramme (EAP) HealthLine Telephne cunselling, legal advice, debt cunselling, cnsumer infrmatin, family and matrimnial advice, wrk and career guidance, management guidance, access fr dependants and partners. Speak directly t a qualified nurse by calling this cnfidential 24/7 phne service. Dental 100% Up t 60 Up t 120 Up t 200 Dental injury 100% Up t 200 Up t 300 Up t 400 Optical 100% Up t 60 Up t 120 Up t 200 Treatments (physitherapy, stepathy, chirpractic, chirpdy, acupuncture) 100% Up t 150 Up t 300 Up t 500 Prescriptins 100% Up t 25 Up t 35 Up t 45 Cnsultatins and diagnstics 100% Up t 200 Up t 300 Up t 500 Hspital (in-patient and day-surgery) pre-existing cnditins excluded, 20 day/night maximum stay applies 100% 20 per night/day up t per night/day up t per night/day up t 800 All benefit limits are annual limits. Pre-existing cnditins are cvered fr all benefits excluding hspital stays (in-patient and day-surgery). Yu will be required t prvide any infrmatin r prf t supprt yur claim if we make a reasnable request t d s. Exclusins and restrictins may apply t the fllwing: health assessments dental services dental injury ptical physitherapy cnsultatins and diagnstics in-patient and hspital day surgery Fr the full list f exclusins and restrictins please see the Wellbeing Health Expenses Membership Guide.

6 Designed fr Arranged and prvided by Bupa Health Insurance, Bupa Business Dental Plan and Bupa Wellbeing Health Expenses are prvided by Bupa Insurance Limited. Registered in England and Wales N Bupa Insurance Limited is authrised by the Prudential Regulatin Authrity and regulated by the Financial Cnduct Authrity and the Prudential Regulatin Authrity. Arranged and administered by Bupa Insurance Services Limited, which is authrised and regulated by the Financial Cnduct Authrity. Registered in England and Wales N Registered ffice: Bupa Huse, Blmsbury Way, Lndn WC1A 2BA. Bupa 2014 SERVICE OFFER NAME THIS IS A SAMPLE HEADLINE This is a sub-heading Lrem ipsum dlr sit amet, cnsectetur adipisicing elit, sed d eiusmd tempr incididunt ut labre et dlre magna aliqua. Ut enim ad minim veniam, quis nstrud exercitatin ullamc labris nisi ut aliquip ex ea cmmd cnsequat. Duis aute irure dlr in reprehenderit in vluptate velit esse cillum dlre eu fugiat nulla pariatur. bupa.c.uk Care hmes Cash plans Dental insurance Dental services Health assessments Health at wrk services Health caching Health infrmatin Health insurance Hme healthcare Internatinal health insurance Travel insurance SME/8372/NOV14 BHF bupa.c.uk