Legal notice
This page contains information regarding terms and conditions for the use of Bupa Malta's website.
Those who choose to access this website are responsible for compliance with local laws if and to the extent local laws are applicable.
Bupa has used all reasonable care and skill in compiling the content of this web site but makes no warranty as to the accuracy of any information on this web site and cannot accept liability for any errors or omissions.
Bupa shall not be liable to any person for any loss or damage which may arise from the use of any of the information contained in any of the materials on this website. The information contained in any such materials is not intended nor implied to be a substitute for professional medical advice nor is it intended to be for medical diagnosis or treatment.
Material appearing on this website will include advertising and other material submitted by parties other than Bupa. This web site will also provide links to other websites operated by advertisers and third parties. It is the responsibility of these third parties to ensure that such material and such websites comply with all relevant laws and regulations. To the full extent permissible by law, Bupa disclaims all responsibility for any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.
These exclusions of liability will not apply to any damages arising from death or personal injury caused by the negligence of Bupa or any of its employees or agents.
This notice and disclaimer is governed by and construed in accordance with English Law. If any part of this notice and disclaimer is deemed unlawful, void or for any reason unenforceable then that part will be deemed severable and will not affect the validity and enforceability of the remaining parts.
Linking to the Bupa Malta website
If you would like to link to the Bupa Malta website, please email us at editor@Bupa.com
Images used for the following navigation icons: Why Bupa; Schemes and services; country information; global links; contact us and their use in subsequent section headers copyright ©1998-99 Photodisc Inc.
Confidentiality
The confidentiality of patient and member information is of paramount concern to the companies in the Bupa group. To this end, Bupa fully complies with UK Data Protection Legislation and Medical Confidentiality Guidelines.
Medical Information
Medical information will be kept confidential. It will only be disclosed to those involved with your treatment or care, including your GP, or to their agents, and, if applicable, to any person or organisation who may be responsible for meeting your treatment expenses, or their agents. Claims information may be discussed with the Bupa International Agent / Adviser where you have requested the Adviser to assist you. Member details: All membership documents and confirmation of how we have dealt with any claim you may make will be sent to the principal member.
GlobalCapital Health Insurance Agency Limited (GCHIA), as the branch of Bupa Insurance Limited in Malta, will have access to your policy details and may also have access to claim information. GlobalCapital is subject to the Data Protection Act in Malta and for details of its Privacy Notice please see http://www.globalcapital.com.mt/disclaimer.asp
Telephone calls
In the interest of continuously improving our service to members, your call will be recorded and may be monitored.
Research
We do not collect information about individuals, except where this is specifically stated and provided with your knowledge. We do collect non-specific visitor information by means of a programme called SiteStat, provided by NedStat, on most parts of the Bupa site. This information is related to your browser and operating system and does not include any personal details. You can find out more about NedStat on their website at www.nedstat.com. We may share overall visitor trends and other generic information collected on this website with third parties but we do not pass on any personal details or personally identifiable information without your specific consent.
Cookies
We use "cookies" which are alphanumeric identifiers that are stored by your web browser on your computer's hard-drive that enable our system to recognise you when you visit the site. This helps Bupa to track basic visitor information in order that we can better tailor the site to our visitors' needs. Most web browsers automatically accept cookies but you can disable this function by changing your browser settings if you so wish.
Fraud
Information may be disclosed to others with a view to preventing fraudulent or improper claims.
Names and Addresses
Bupa does not make the names and addresses of members available to other organisations. Keeping you informed: Bupa would, on occasion, like to keep you informed of Bupa products and services which it considers may be of interest to you. Contact Address: If you do not wish to receive information about Bupa's products and services, or have any other Data Protection queries please write to the Bupa Group Head of Information Governance, at Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA, United Kingdom or at DataProtection@BUPA.com.
'Bupa' and the HEARTBEAT logo are the registered service marks of The British United Provident Association Limited ('Bupa'). Except where specifically stated otherwise Bupa and/or its licensors are the owners of the copyright and database rights in the site, including content data, design, graphics, text, images, software and underlying source codes. Bupa is the owner of all trademarks, service marks, trade names, logos and devices appearing on the site, whether registered or unregistered, except where specifically stated otherwise.
GlobalCapital Health Insurance Agency Limited (GCHIA) acts as branch of Bupa Insurance Limited, which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertaking Regulations. GCHIA is a company incorporated in Malta bearing company registration number C6393. GCHIA is registered as an Insurance Agent in terms of the Insurance Intermediaries Act 2006 and is regulated by the Malta Financial Services Authority. The Company is a subsidiary of GlobalCapital Life Insurance Limited and forms part of GlobalCapital Group. GlobalCapital p.l.c. which is the parent company of the GlobalCapital Group is listed on the Malta Stock Exchange. The registered office of the Company is 120, the Strand, Gzira, Malta GZR1027.
The British United Provident Association Limited, Bupa Insurance Limited and Bupa Insurance Services Limited are registered in England and Wales at Companies House under numbers 432511, 3956433 and 3829851 respectively. The registered office of all of these companies is Bupa House, 15-19 Bloomsbury Way, London, WC1A 2BA. Bupa Insurance Limited and Bupa Insurance Services Limited are authorised and regulated by the Financial Services Authority (FSA). The FSA regulation numbers of Bupa Insurance Limited and Bupa Insurance Services Limited are 203332 and 312526 respectively. The activities of Bupa Malta are subject to limited regulation by the Malta Finanical Services Authority. Details about the extent of our regulation by the Malta Financial Services Authority are available from us on request
In the event of a complaint who you complain to and how you complain is dependent on the product you have purchased and the subject of your complaint.
If you are unsure if you have a concern which relates to a Bupa Malta product or a Bupa International product, please contact the Bupa Malta Customer Helpline on +356 21 342 342 who will be able to advise you further.
In you have comments or concerns about the about the sale and promotion of a Bupa Malta product, then you should contact our Agents in Malta, GlobalCapital Health Insurance Agency Ltd by writing to them at the address below:
The Customer Service Manager,
Bupa Malta c/o GlobalCapital Health Insurance Agency Ltd
120, The Strand
Gzira
GZR 1027
Malta
If you have comments or complaints about your Bupa Malta policy, the way it has been administered or the way your claim has been adjudicated then you should contact Bupa as follows:
Bupa Malta Products
If your concern relates to a Bupa Malta product, you should in the first instance call the Bupa Malta Customer helpline on +356 21 342 342 during normal office hours.
Should we not be able to resolve your concerns there and then, we would then ask you to formally write to:
The Branch Manager
Bupa Malta
120, The Strand
Gzira
GZR 1027
Malta
Taking it further
In the rare event that that we can’t settle a complaint regarding your Bupa Malta policy, you may be able to refer your complaint to:
The Consumer Complaints Manager
Malta Financial Services Authority
Notabile Road
Attard BKR14
Malta
Freephone: +356 8007 4924
Tel: +356 21441155
Email: consumerinfo@mfsa.com.mt
Website: www.mfsa.com.mt/consumer
Please see the Malta Financial Services Authority website for information on who may complain and how to complain.
Bupa International Products
For comments and complaints about a Bupa International product, we would ask you to call the Bupa International Customer helpline on +44(0) 1273 323 563, which is open 24 hours a day, 365 days a year. Alternatively, you can write to:
The Head of Customer Relations
Bupa International
Russell House
Russell Mews
Brighton
BN1 2NR
United Kingdom
Taking it further
It is very rare that we cannot settle a complaint. However, if having contacted us you remain dissatisfied, you may be able to refer your complaint about your Bupa International Product to:
The Financial Ombudsman Service.
South Quay Plaza
183 Marsh Wall
London
E14 9JR
United Kingdom
Telephone +44 (0) 20 7964 1000
Website www.finacial-ombudsman.org.uk
Please see the Financial Ombudsman Services website for information on who may complain and how to complain.