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Flexible financial protection Agenda Bupa brand


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Flexible financial protection Agenda Bupa brand

  1. 1. Flexible financial protection
  2. 2. Agenda <ul><li>Bupa brand </li></ul><ul><li>WIIFM </li></ul><ul><li>CIC conditions </li></ul><ul><li>Healthline </li></ul><ul><li>Best Doctors </li></ul><ul><li>Reinstatement cover </li></ul><ul><li>Underwriting / Administration </li></ul><ul><li>Claims </li></ul><ul><li>Follow up </li></ul><ul><li>Online </li></ul><ul><li>Other points of interest </li></ul><ul><li>Contacts </li></ul><ul><li>Questions </li></ul>
  3. 3. Bupa - to treat and care for you as an individual Bupa Established 1947 Travel Life, CIC & IP PMI Care Homes Clinovia Wellness Cash Plan & Dental International
  4. 4. WIIFM Why Bupa critical illness? <ul><li>Well known household brand </li></ul><ul><li>Extensive critical illness product </li></ul><ul><li>Life cover - becomes free or very inexpensive if sold </li></ul><ul><li> with critical illness </li></ul><ul><li>Broker consultant (IDM) regular visit to assist with </li></ul><ul><li>queries and pipeline chasing </li></ul><ul><li>ISC ‘office based’ account manager to assist anytime </li></ul><ul><li>Easy administration/helpline/service </li></ul><ul><li>Commission </li></ul>
  5. 5. Bupa critical illness conditions <ul><li>AIDS / HIV </li></ul><ul><ul><li>Assault </li></ul></ul><ul><ul><li>Occupation </li></ul></ul><ul><ul><li>Transfusion </li></ul></ul><ul><li>Alzheimer’s Disease </li></ul><ul><li>Pre-Senile Dementia </li></ul><ul><li>Aorta Graft Surgery </li></ul><ul><li>Aplastic Anaemia </li></ul><ul><li>Bacterial Meningitis </li></ul><ul><li>Benign Brain Tumour </li></ul><ul><li>Blindness </li></ul><ul><li>Cancer </li></ul><ul><li>Cardiomyopathy </li></ul><ul><li>Children’s Benefit </li></ul><ul><li>Chronic Rheumatic Arthritis </li></ul><ul><li>Coma </li></ul><ul><li>Coronary Angioplasty </li></ul><ul><li>Coronary artery by-pass & open heart surgery </li></ul><ul><li>Creutzfeldt Jacob Disease </li></ul><ul><li>Deafness </li></ul><ul><li>Heart Attack </li></ul><ul><li>Heart Valve Replacement or Repair </li></ul><ul><li>Hodgkin’s Disease </li></ul><ul><li>Insulin Dependant Diabetes </li></ul><ul><li>Kidney Failure </li></ul><ul><li>Liver Failure </li></ul><ul><li>Loss of Independent Existence </li></ul><ul><li>Loss of Limbs </li></ul><ul><li>Loss of Speech </li></ul><ul><li>Major Organ Transplant </li></ul><ul><li>Motor Neurone Disease </li></ul><ul><li>Multiple Sclerosis </li></ul><ul><li>Paralysis/Paraplegia </li></ul><ul><li>Parkinson’s Disease </li></ul><ul><li>Progressive Supranuclear Palsy </li></ul><ul><li>Respiratory Failure </li></ul><ul><li>Stroke </li></ul><ul><li>Severe Lung Disease </li></ul><ul><li>Third Degree Burns </li></ul><ul><li>Terminal Illness & Death </li></ul><ul><li>TPD </li></ul>
  6. 6. Bupa HealthLine <ul><li>first aid </li></ul><ul><li>alternative therapies </li></ul><ul><li>mental ill health </li></ul><ul><li>prescribed drugs </li></ul><ul><li>pregnancy </li></ul><ul><li>new born babies </li></ul><ul><li>travel advice </li></ul><ul><li>medical tests </li></ul>24 hour direct line to a specialist nurse, 365 days a year Expert advice on wide ranging issues Non contractual benefit
  7. 7. Best Doctors ® Independent service that can locate and contact specialists qualified to treat specific conditions Non contractual benefit
  8. 8. Healthcare environment <ul><li>Shorter time with GP </li></ul><ul><li>Consumer driven society </li></ul><ul><li>Higher expectations </li></ul><ul><li>33% of people use web for health related information ¹ </li></ul><ul><li>‘ Cancer’ on Google – 200,000,000 results </li></ul>¹ Datamonitor
  9. 9. The process Access to Best Doctors following Diagnosis – 0800 number 1 Eligibility verified 2 Medical records obtained 3 Records reviewed by multidisciplinary team 4 Case summary produced (MAP) 5 Most appropriate expert identified in database 6 7 Report created, delivered to patient & doctor
  10. 10. Case study Patient: 31 year-old female Symptoms: Sudden loss of consciousness Initial Dx & Treatment: High grade Multiform Glioblastoma. Chemo & radiotherapy. No surgical options. Prognosis: Less than two months survival Case Overview Best Doctors Impact Confirmed Dx: Multiform Glioblastoma Changed Treatment: Surgical removal, chemo & radiotherapy Arrangement for Care: Coordinated care, including hospital admission, transportation, 24/7 assistance Outcome: 99% of the tumour removed. Four days of admittance in the hospital. Patient back to work two months after surgery. Almost three years later, there is no evidence of tumour recurrence. Source – Best Doctors
  11. 11. Case study Patient: 14 year old male Symptoms: Back pain for two years. Initial Dx & Treatment: Aneurismatic cyst in spinal cord - partial surgical removal. Recurrence one month later. Diagnosis change to osteoblastoma - new partial surgical removal. Prognosis: Very poor. Patient became paralysed after the second operation. Radiotherapy was initiated but further surgery was not an option. Case Overview Best Doctors Impact Confirmed Second DX: Very aggressive osteoblastoma Changed Treatment: The bony component of the tumour was not radiosensitive.Only chance of survival was urgent and definitive surgery . Referred to Top Specialist: Patient referred to most experienced surgeon in this field. All arrangements made by BD. Outcome: Complete tumour removal. The patient has recovered his motor function, walks and plays sports (tennis and swimming). Has returned to school and normal daily life. Source – Best Doctors
  12. 12. Recent testimonial “ I feel very lucky that Best Doctors were there when I needed them most. I had been suffering from stomach and back pain for three years. I had had every test available but nothing was diagnosed. It seemed to me that no one was paying proper attention. It was only when I had the guidance of the Best Doctors service that I was correctly diagnosed with two aneurisms and had the emergency surgery that saved my life. Getting a second opinion is a very good idea. It cuts out all the mystery. It’s great to know that you can call someone to find out if your doctors are doing the very best they can. If Best Doctors had not been there I would not be here to tell the tale.” - David Chambers  
  13. 13. Reinstatement benefit Reinstatement available 12 months after a claim New plan will cover 16 critical illnesses plus Death benefit if originally included Client is under 50 years of age At least 5 years remaining on original plan
  14. 14. Fracture cover Optional extra, premium payable - Full definitions available on request
  15. 15. Underwriting/Administration <ul><li>Processed within 24 hours </li></ul><ul><li>Accessible underwriters </li></ul><ul><li>For easier and smoother underwriting, remember the “4 D’s”: </li></ul><ul><li>Dates / Duration / Diagnosis / Drugs </li></ul><ul><li>Wherever possible we will try to offer a rating rather than an exclusion </li></ul><ul><li>Online Helpdesk 0800 032 3679 </li></ul>
  16. 16. Follow Up…. You will only get your commission once the application goes on-risk <ul><li>Therefore: </li></ul><ul><li>If further questionnaires are required, ask your IDM or ISC </li></ul><ul><li>representative to email one to you (if you can’t find it yourself), then ask </li></ul><ul><li>the Client to complete and sign this (ideally avoiding this by completing at time of application completion). </li></ul><ul><li>If there is missing information, try to get this information. </li></ul><ul><li>If your client needs to attend a medical, ask them to arrange this and then check that they have! </li></ul><ul><li>Once terms have been issued, ensure you inform your client and confirm acceptance. </li></ul><ul><li>If you need us to help you chase your pipeline, we will - you only need to ASK! </li></ul>
  17. 17. Online <ul><li>10% extra commission </li></ul><ul><li>DDM completed online </li></ul><ul><li>No signature required for cover under £500k </li></ul><ul><li>Business protection and LIP </li></ul><ul><li>HelpLine 0800 032 3679 </li></ul>
  18. 18. Other points of interest <ul><li>Up to £1.5 million of cover for CIC with life business and £1 million for personal </li></ul><ul><li>20% discount for IFA’s (paper applications) </li></ul><ul><li>Winner of the Lifesearch Best Critical Illness Provider 2007 </li></ul><ul><li>Winner of the Simplybiz Best Micro Site Award 2007 </li></ul><ul><li>Winner for the Health Insurance Award 2007 </li></ul><ul><li>5 star Defaqto rating </li></ul>
  19. 19. Contact details <ul><li>Intermediary Development Manager </li></ul><ul><li>[Tel]/[Email] </li></ul><ul><li>Dedicated telephone support 0800 332000 option 3 option 1 </li></ul><ul><li>Online helpdesk – 0800 032 3679 </li></ul>
  20. 20. Any Questions?