Who cares what advisers really need

1
Who cares what advisers really need? We care.
2
Let us show you how much we care

• About BUPA Individual Protection
• About working in partnership
• About product, service and price
• Whats in it for you

3
Why does BUPA care about Individual Protection?

• Were part of the UKs leading provider of
  private healthcare insurance and healthcare
  services
• Our reputation is already well established
• Critical illnesses could affect anyone
• in the UK, more than one in three of us will
  develop cancer at some time in our lives. Cancer
  is also the number one fear for the British
  public, ahead of terrorism, crime and other
  medical conditions.
• in the UK, someone has a heart attack every two
  minutes and almost 2.6 million people have heart
  and circulatory disease.
• each year in England and Wales Over 130,000
  people have a stroke and 25 of strokes occur in
  people aged under 65 years

Cancer Research UK Scientific Yearbook 2006/07
British Heart Foundation 2006 Coronary Heart
Disease stats The Stroke Association (October
2006)
4
We care about working in partnership

• Sales structure
• Customer service
• Online

5
We care about more than the top three critical
illnesses

• Cancer, heart disease, stroke
• Cover 37 conditions and operations including
• 6 enhanced ABI conditions
• 14 additional conditions

6
BUPA covers 37 critical illness conditions and
operations Conditions A-L

• Alzheimers disease before age 65
• Aorta graft surgery
• Aplastic anaemia
• Bacterial meningitis
• Benign brain tumour
• Blindness
• Cancer
• Cardiomyopathy
• Chronic rheumatoid arthritis
• Coma
• Coronary angioplasty

• Coronary artery by-pass grafts
• Creutzfeldt-Jacob Disease
• Deafness
• Heart attack
• Heart valve replacement or repair
• HIV infection
• Insulin dependent diabetes mellitus (type 1
  diabetes mellitus) additional
• Kidney failure
• Liver failure

7
BUPA covers 37 critical illness conditions and
operationsConditions L-T

• Loss of hands or feet
• Loss of independence
• Loss of Speech
• Major Organ Transplant
• Motor Neurone Disease before age 65
• Multiple Sclerosis
• Open heart surgery
• Paralysis
• Parkinsons Disease before age 65

• Pre-senile dementia before age 65
• Progressive supra-nuclear palsy
• Respiratory failure
• Stroke
• Systemic lupus erythematosus (SLE)
• Terminal Illness
• Third degree burns
• Traumatic head injury

8
We care about more than just the critical
illness cover

• Premium reductions for cancer and multiple
  sclerosis exclusions1

• The following are automatically included in each
  critical illness policy

• Best Doctors2
• HealthLine3
• Child cover
• Replacement cover

• The following are additional options that can be
  selected4

• Fracture cover
• Reinstatement cover
• TPD cover

1We offer a reduced premium on critical illness
cover (with life) at the underwriting stage for
your clients if we totally exclude them from
cancer or multiple sclerosis. 2Best Doctors does
not form part of the contractual benefits of BUPA
Critical Illness cover and we reserve the right
to withdraw the service at any time in the
future. 3BUPA HealthLine services are provided
within the BUPA group and are not a contractual
benefit under the scheme. This can be withdrawn
in the future. 4An additional premium is payable
if the fracture cover, TPD or the reinstatement
options are selected
9
We care about your clients treatment

• BUPA Flexible Protection Plan includes Best
  Doctors
• a company who could help people in the UK to get
  medical knowledge and expert advice from across
  the world to assist in making decisions about
  health care
• available to all BUPA Critical Illness members
  24 hours a day, 7 days a week
• access to a database of 50,000 international
  specialists selected from 2.5. million
  evaluations

Best Doctors does not form part of the
contractual benefits of BUPA Critical Illness
cover and we reserve the right to withdraw the
service at any time in the future.
10
We care about putting your clients minds at rest

• BUPA Flexible Protection Plan provides
  HealthLine

• 24/7 telephone access to specially trained BUPA
  nurse
• all information is research-based
• travel medication and vaccination queries are
  answered
• lifestyle programmes are recommended
• the service is completely confidential

BUPA HealthLine services are provided within the
BUPA group and are not a contractual benefit
under the scheme. This can be withdrawn in the
future.
11
We cared about making sure John was covered too.
12
We care how your client will cope with a bad
breakFracture cover for 18 eligible fractures
Skull - 2,100
Skull - 1,200
Cheekbone - 900
Jaw - 900
Collar bone - 600
Shoulder blade - 900
Sternum - 900
Arm - 1,200
Ribs - 600
Vertebra - 900
Pelvis - 1,200
Wrist - 900
Hand - 900
Upper leg - 2,100
Knee - 2,100
Lower leg - 1,200
Ankle - 1,200
Foot - 900
An additional premium is payable if the fracture
cover is selected. Full definitions available on
request.
13
We care more about mortgage protection
160
150
140
130
120
110
100
90
5
Mortgage (000's)
80
10
70
60
50
40
30
20
10
0
Period (years)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
160
157
153
149
146
141
137
133
128
123
118
112
107
101
94
88
81
73
66
58
49
40
31
21
11
0
5
160
158
157
155
152
150
147
145
141
138
134
130
125
120
114
108
102
94
86
77
67
56
44
31
16
0
10
Mortgage Schedules at 5 and 10
Table created by the Actuarial department, BUPA
Individual Protection
14
We care about giving you the best service
possible

• Intermediary Sales Centre - 0800 33 2000 (Press
  Option 3, then 1) Website - www.bupa.co.uk/bupain
  dividualprotection