BUPA by you
Introducing your
No Claims Discount
At Bupa year on year we try to ensure our prices are
as fair as possible for our members, that’s why like
many insurers we offer a No Claims Discount.
Whilst advances in medical technology, the
development of breakthrough drugs and pioneering
new treatments increase the quality of life and
recovery rates for many, these advances also lead to
medical inflation. This can result in health insurance
providers needing to account for this inflation in any
annual premium increase.
However with our No Claims Discount we ensure
that if you don’t need to make a claim you will
continue to receive a discount at renewal (up to a
maximum discount available). Equally, if you do need
to make a claim your discount level will reduce
depending on the amount you claimed.
Please note: Bupa may change the No Claims Discount
or withdraw it, at any time. Changes will only impact
you from your next renewal and you will be notified of
any changes at this point.
How does the No Claims Discount work?
The No Claims Discount scale below shows the levels
available and discounts which apply to each level.
As a new member you have entered at level 12
(65% discount highlighted below). If we have paid no
claims for you during the 12 months (10 months
in your first year of cover) prior to your renewal
subscription being calculated, your No Claims Discount
will increase by one level on the scale. The maximum
No Claims Discount available is level 14 (70% discount).
The maximum number of levels you can decrease at
renewal is three.
The No Claims Discount only applies to subscriptions
for your core health insurance. Claims you may make in
relation to any Add ons, NHS cash Benefit or Travel and
Emergency Medical Cover do not count as claims in the
assessment of the no claims discount. In addition,
claims we pay that fall entirely within any excess will
not be counted.
No Claims
Discount Level
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Discount applied
on premium
0%
10%
20%
27.5%
35%
40%
45%
50%
55%
59%
62%
65%
68%
70%
The No Claims Discount scale works as follows:
Claims payments made during the year before we
calculate the premium for the next insurance year
Movement on the scale at the next renewal date (subject
to a maximum of level 14 and a minimum of level 1)
£0 paid
Move up the scale by 1 level
Between £0.01 – £250 paid
Move down the scale by 1 level
Between £250.01 – £500 paid
Move down the scale by 2 levels
More than £500 paid
Move down the scale by 3 levels
How will claiming impact my
No Claims Discount level?
The No Claims Discount is only based
on claims paid by Bupa and so any
claim you make won’t be taken into
account until the payment has been
processed.
Any claim that falls entirely within your
excess will not impact your No Claims
Discount level.
For more detail please refer to your
Bupa By You Membership Guide.
FOR MORE INFORMATION ABOUT THE NO CLAIMS DISCOUNT
PLEASE CALL THE HELPLINE. YOU CAN FIND THE
NUMBER ON YOUR MEMBERSHIP CERTIFICATE
Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Services Limited. Registered in England and Wales No.
3829851. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Bupa Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.
NCD/8036/JAN14V2 09399_4043