BUPA International health insurance for expats. Overseas advisors to BUPA International health insurance. Online quotes and advice.

Treatment & cover in the USA

You can choose to have treatment in the USA, if you have purchased cover for the USA.


BUPA International health insurance will pay in full for treatments covered under the scheme up to the limits set out in the benefits table, providing that any treatment is pre-authorised, and subsequently takes place in an approved network of medical facilities.


BUPA International works closely with United Healthcare (UHC) a leading medical insurer in the USA with access to a network of 3000 hospitals, clinics and medical practitioners across the USA. Providing that any treatment is pre-authorised by UHC, and takes place within the network, UHC will reimburse hospitals and medical practitioners directly.


If you have treatment outside the UHC network BUPA International will only pay 80% of eligible costs. However where adequate network coverage does not exist BUPA International will pay 100 % of eligible costs (up to the limits set out in the benefits table).


BUPA International does not offer cover for residents of the USA.


HorizonHealthPlans advice


Treatment & Cover in the US

If, having become a member you wish to upgrade your cover to include the USA, BUPA International will look carefully into the circumstances, and reserves the right to “underwrite” or “re-underwrite” your policy. This may mean a subscription rate greater than that which would have applied, if USA cover had been purchased at the outset. BUPA International may also impose new exclusions specific to the USA .

If you wish to be able to choose to be treated in the USA, take the extra cover when first joining. Upgrading later may be difficult, expensive, and may even be refused.

HorizonHealthplans asks you to note that any treatment must be pre-authorised, and recommends that, if at all possible, it takes place within UHC network. You should also remember that payments are subject to the limits set out in the benefits table.

Cost depends on your age – select the US cover option when requesting an online quote.



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