What is Bupa NHS cash benefit?

What is Bupa NHS cash benefit?

Bupa is one of the UK’s Top 3 health insurance companies and their NHS cash benefit offers additional support to members who need to use NHS services. All Bupa By You members can claim a cash payment if they are admitted to an NHS hospital for overnight care.

Bupa By You policies automatically include NHS cash benefit, and you can claim £50 per night spent in an NHS hospital. Your plan will also include an NHS cancer cash benefit, which pays out £100 per night for in-patient cancer treatment.

There are various situations where a Bupa member might need to use the NHS for medical treatment (e.g. emergency medical care or A&E visits). NHS cash benefit provides extra financial support and can be used for important expenses like childcare or travel costs related to your hospital stay.

60 Second Summary – What is Bupa NHS cash benefit?

Bupa’s NHS cash benefit is a popular feature of Bupa health insurance policies, providing £50 per night for NHS hospital stays. You can also claim £100 per night for in-patient cancer treatment, plus additional benefits for cancer patients.

• You need to fill in a form and post it to Bupa to claim your NHS cash benefit. Bupa might request extra details from your doctor before approving your claim.
• Bupa members can also claim for NHS in-patient and day patient cancer treatment, as well as courses of oral chemotherapy or anti-hormone therapy.
• Other top UK health insurance companies like Aviva, Vitality, AXA, and WPA also provide NHS cash benefits for their members.
• Insurers like Vitality offer higher pay outs per night (£250), but the only other insurer to offer an NHS cancer benefit as standard is Aviva.
• Bupa members can access a wide range of other benefits too, including 24/7 unlimited telephone consultations with qualified nurses and GPs.

What is NHS cash benefit?

Most UK health insurance companies offer a policy benefit called an ‘NHS cash benefit’. This benefit allows you to claim cashback from your insurer if you need to stay overnight in an NHS hospital. Your insurance company might limit this to a set number of nights per year (e.g. 30 nights) or a maximum total amount (e.g. £2,000).

Many health insurance companies will even provide cashback for in patient or day patient medical care, but this will depend on your policy. In most cases, your insurer will transfer your cash pay out directly into the bank account associated with your policy.

Will an NHS cash benefit always pay out?

Private health insurance won’t pay out in every situation, and your insurer may not pay out for every NHS hospital stay. For example, they may not pay out if you are admitted to an NHS hospital to treat a pre-existing or chronic medical condition.

These rules will vary slightly between insurers, so you should ask your insurance company or broker for more information if you’re unsure about when you can claim.

How much is Bupa NHS cash benefit?

Bupa is one of the UK’s most popular health insurance companies, and they work hard to provide the best health insurance products and health services to their members.

You don’t need to pay extra to add NHS cash benefit to Bupa health insurance policies. This benefit is included automatically for all Bupa By You Comprehensive and Treatment and Care policyholders, so it won’t increase the cost of your cover.

Bupa NHS cash benefit amounts (Bupa By You)

Standard NHS cash benefit – £50 per night (up to 35 nights per year maximum).
NHS cancer cash benefit – £100 per night for in-patient cancer treatment (unlimited).

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What is Bupa’s NHS cancer cash benefit?

Most insurers offer an NHS cash benefit, but Bupa also provides an NHS cancer cash benefit to provide extra support for members who are diagnosed with cancer. These benefits can be particularly useful if you haven’t opted for full Bupa cancer cover and need to receive most or all of your treatment from the NHS.

Bupa policyholders who are diagnosed with cancer can claim Bupa cash benefits for NHS cancer treatment. You can claim cashback for:

• In-patient cancer treatment (£100 per night).
• Outpatient, day patient or home cancer treatments (£100 per treatment).
• £100 per 3 weekly course of oral chemotherapy or anti-hormone therapy (not available from a GP).

How do you claim an NHS cash benefit from Bupa?

You shouldn’t need to pre-authorise NHS treatments with Bupa and can claim cashback within 6 months of receiving NHS care. You will need to fill in a claim form and post it Bupa before you receive any cashback for your NHS hospital stay. The form will ask for details like:

• Your name, address, date of birth, and Bupa membership number.
• Details about the condition you are claiming for.
• Details about your treatment (treatment date, medications etc.).

You can either fill in these details online and print off the form or print the form and write in the details in black pen (must use capital letters). Once you have completed your form, you can post it to:

Bupa,
Bupa Place,
102 The Quays,
Salford,
M50 3SP

In some cases, Bupa may need to contact the doctor that you saw for further details about your treatment. You can either request a report and send it to Bupa yourself or give Bupa permission to request this report on your behalf.

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Do other insurers offer NHS cash benefit?

Most of the UK’s top health insurance companies offer an NHS cash benefit to their members, which includes top insurers like AXA, Aviva, Vitality, and WPA. Our health insurance experts have highlighted the key details for each of their NHS cash benefits below.

Vitality NHS Cash Benefit

Vitality offers brilliant NHS cash benefits and pays out up to £250 for every night spent in an NHS hospital (up to £2,000 per year). You can even claim up to £125 per day for NHS day patient medical care (up to £500 per year).

Vitality’s website does state that you can claim for ‘eligible treatment’, so you won’t be covered for all NHS treatments or hospital stays. You should contact Vitality directly to check if you have a valid NHS cash benefit claim.

Vitality Private Medical Insurance (Product Information Document) – CLICK HERE

Aviva NHS Cash Benefit

Aviva members can claim a cash benefit of £100 for every night spent in an NHS hospital (up to 30 nights per year). You can’t claim this benefit if you have chosen Aviva’s 6 week wait option, so it isn’t available for all Aviva members.

Aviva also offers an NHS cancer cash benefit, but it will only pay out for NHS treatment that would have been covered by Aviva if you claimed for private care. Aviva’s NHS cancer cash benefit pays out £100 per day or night spent in an NHS hospital when receiving cancer treatment such as outpatient chemotherapy or radiotherapy, outpatient surgeries, or at home IV chemotherapy.

You can’t claim multiple cash benefits from the same date (e.g. if you received two forms of treatment in one day). You are capped at a payment of £100 per day at maximum.

Aviva Healthier Solutions Terms and Conditions – CLICK HERE

AXA NHS Cash Benefit

AXA health insurance members can claim £50 per night spent in an NHS hospital (up to £2,000 per year maximum). This is similar to Bupa’s benefit, but AXA Health does not offer a separate cancer cash benefit.

Note: AXA will pay out for NHS cancer treatment for Personal Health members, but only if you have paid to add the Comprehensive Cancer Cover benefit to your policy.

WPA NHS cash benefit

WPA offers comprehensive NHS cash benefits, and members can claim for day patient, in-patient and outpatient NHS care.

You can claim £150 per day/night spent in an NHS hospital (less than 3 nights) or £200 per night (more than 3 nights). You can also claims up to £150 per day for NHS outpatient procedures or complex scans.

You can claim up to £4,500 per policy year but can’t claim for any NHS cancer treatments unless this is added to your policy for an extra cost.

WPA Complete Health Insurance Product Information Document – CLICK HERE

How can I find health insurance with NHS cash benefit?

Each health insurance company offers different pay out amounts and has varying limits for NHS cash benefits. Vitality pays out the highest amount (£250 per night), but doesn’t offer a cancer cash benefit. WPA also offers high pay out amounts, and NHS cancer cash benefit can be added (at an extra cost).

Aviva pays out £100 per night (up to 30 nights) and AXA is similar to Bupa (pays out £50 per night). Bupa’s NHS cash benefit is comprehensive, and they are the only insurer to offer a cancer cash benefit as standard.

While NHS cash benefits are useful, you should consider all policy benefits before choosing a new health insurance policy. If you’re finding it hard to compare policies from different insurers, an experienced health insurance expert can help.

Our team of health insurance specialists can quickly compare the UK’s best health insurance policies to find the perfect plan to protect you and your family. You can 0800 009 6559 or CLICK HERE for free advice from our health insurance experts.