Bupa health insurance – what is a chronic condition?
A chronic condition is an illness or
disease which has at least one of the following characteristics Examples of chronic conditions include
arthritis, asthma, diabetes and psoriasis among many others. Your health insurance does not cover
ongoing treatment of chronic conditions that is needed to keep the condition or
its symptoms under control however you are covered for the
treatment of sudden flare-ups that will quickly get you back to your previous
state of health. Here are some examples: your GP refers
you to a consultant who diagnoses you with a chronic condition you then need regular medication and
annual consultations as part of the ongoing care for your chronic condition.
These regular consultations would take place under the NHS or you have the
option to pay privately for this treatment yourself. After a couple of
years you need to see a specialist consultant
as you suffered a sudden and untypical flare-up of symptoms relating to your
chronic condition that your GP can’t manage. As a result you need treatment to
get you back to the same state of health before the flare up. It’s worth noting if your flare up is
sudden and severe you should call 999 and go to A&E. Emergency treatment like this isn’t
covered under your Bupa policy. Once your flare up has died down you can continue with ongoing medication
and annual consultations through the NHS. For any treatment that you’re not
covered for you should go back to your GP and the NHS for treatment. You’ll find
more information in our document ‘important points about your cover’ as
well as your membership guide and membership certificate.