BUPA TRANSFERS
The good news is that when you have held a policy under any part of the BUPA group, for one year or more, you are entitled to transfer your policy with no qualification periods applicable to services. Additionally, pre-existing conditions which have arisen while you have been covered by Bupa and which were covered by Bupa, will only be assessed by Sanitas if they are considered to be serious conditions.
BUPA Transfer Q&A
- What documents do you require to arrange the transfer?
If you are transferring from BUPA UK we will require you to request an International Transfer Form (ITF) from BUPA . This is completed by BUPA with all the information concerning your existing BUPA Policy. You then forward the form to us and we take care of the rest.
If you are transferring from BUPA Global they will provide you with a certificate stating the date that you were first registered with them, the date that the BUPA cover is to be cancelled and confirmation that the premiums have been paid. You then forward the certificate to us.
- Do I need to undergo a medical before the transfer can be arranged from BUPA?
No, but you will receive a call to discuss any conditions that are deemed to be serious by Sanitas.
- Will I have to wait a long time to continue my healthcare?
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No, as long as the applications are complete and satisfactory, the transfer will take place within 14 days from the date they are received.
- If I already have exclusions on my cover, what will happen?
These will be carried over from your BUPA policy, to your Sanitas policy.
- Can I include additional members when I transfer the policy?
Unfortunately no, it is necessary to be included on an existing BUPA policy in order to be part of a transfer. New members can still be included in the same plan but will not have the transfer benefits applicable to their cover.
- I am already undergoing treatment with BUPA; will this be cancelled if I transfer?
No, as long as the condition is not deemed to be serious. If the condition is deemed to be serious, then cover will depend on the evaluation made via the call from our doctor to discuss conditions.
- If I am pregnant when I make the transfer, will I be covered?
The antenatal care will be covered but not the birth.
- If my BUPA membership has expired, can I still transfer to Sanitas?
No, unless your premiums are paid up to date and there has been no break in your health insurance cover, you may not make a transfer.
- Will you send my new documents to me in my home country if I am still there?
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All documents are sent by email only. However, to become a Sanitas member, your policy must be registered to a Spanish address.
- What else do I need to do to make sure the transfer is completed?
Nothing at all – provided you submit all the required information when you apply for the transfer.
- What if I want to go back to the UK, can I reverse the transfer?
Yes of course. The requirements remain the same – i.e. that your premiums are paid up to date and that you have not had any break in your cover. Simply get in touch with BUPA UK or BUPA Global and your transfer back will be arranged.
BUPA - the British Union Provident Association
