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Making a claim

6.03 Other claim information

Discretionary payments

We may, in certain situations, make discretionary or “ex gratia” payments towards your treatment. If we make any payment on this basis, this will still count towards the overall maximum amount we will pay under your membership. Making these payments does not oblige us to pay them in the future.

We do not have to pay for treatment that is not covered by your plan, even if we have paid an earlier claim for a similar or identical treatment.

Overpayment of claims

If we overpay you for your claim, we reserve the right to deduct the overpaid amount from future claims or seek repayment from you.

Claiming for treatment when others are responsible

You must complete the appropriate section of the claim form if you are claiming for treatment that is needed when someone else is at fault.

Examples: In a road accident in which you are a victim. If so, you will need to take any reasonable steps we ask of you to:

  • recover from the person at fault (such as through their insurance company) the cost of the treatment paid for by Bupa Malta, and
  • claim interest if you are entitled to do so.

Note: Subrogation

In the event of any payment of any claim under your membership, Bupa Malta or any person or company that it nominates may be subrogated to all rights of recovery of the member and any person entitled to the benefits of this coverage. The member shall sign and deliver all documents and papers and do whatever else is necessary to secure such subrogated rights to Bupa Malta or its nominated party. The member shall do nothing after the claim to prejudice such rights.

Claiming with joint or double insurance

You must complete the appropriate section on the claim form, if you have any other insurance cover for the cost of the treatment or benefits you have claimed from us. If you do have other insurance cover, we will only pay our share of the cost of the treatment.

Talk to us about your options


Call us today on: 21 342 342

We are here for you Monday to Friday 8am to 5pm.

Get in touch via email

Contact our client assistance team with your query or request a callback from one of our health insurance specialists.

LifeStar Health Limited acts as an insurance agent for Bupa Global Designated Activity Company (Bupa Global DAC), which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertakings. LifeStar Health Limited is enrolledid as an insurance agent under the Insurance Distribution Act, Cap 487 of the Laws of Malta and is regulated by the Malta Financial Services Authority of Notabile Road, Attard BKR 3000, Malta and subject to limited regulation by the Central Bank of Ireland.


© 2020 Bupa Malta / LifeStar Health Limited