Compliance and ethics
Bupa is committed to helping people live longer, healthier and happier lives. Our commitment to our customers, people and communities is a natural extension of this. In an ever increasing complex ethical and legal industry, Bupa Latin America is committed to ensuring superior business ethics in what we do, what we say and how we treat our customers and our business partners.
It is with this in mind that we are pleased to share Bupa Latin America’s compliance program “ACREED”, principles of excellence that set the framework for how we, as members of the Bupa group, should conduct business in the region.
The goal of the ACREED program is to build on our culture of integrity and trust that comes with the policies that carry the Bupa name. ACREED, an acronym for the six Bupa values — accountable, caring, respectful, ethical, enabling and dedicated — strives to promote prevention, detection and the resolution of conduct that does not conform to applicable laws or Bupa's own high standards of business ethics. This program applies to all Bupa Latin America directors, employees, officers and representatives.
The ACREED program provides guidance and oversight, but cannot and should not be seen as a substitute for an individual's personal sense of honesty, integrity and fairness.
Everyone across the Bupa Latin American community is encouraged to rely on their common sense to recognize right from wrong and use the ACREED program as a supplement to guide and inform these decisions.
As we continue to grow as a company and as a community, please remember and be proud that your conduct reflects on your individual professionalism and the reputation of Bupa.
Sincerely,
Moses Dodo
U.S EXPORT COMPLIANCES
The sale of Bupa products and services are subject to u.s. export controls and sanctions administered by the Office of Foreign Assets Control (OFAC), an agency of the united states department of the treasury.
Embargoed destinations
Bupa products and services may not be sold, either directly or indirectly, to any country embargoed by the United States, or to any country considered by the United States as a supporter of international terrorism, without proper authorization from the U.S. government. Cuba, Iran, Libya, North Korea, Sudan, and Syria are currently embargoed destinations.
U.S. Prohibited and/or Restricted Lists
Bupa products and services may not be sold to any person or entity designated as prohibited or restricted by an agency of the U.S. government. Sales to companies, organizations, or persons listed on the current Specially Designated Nationals List, the Debarred List, the Entity List, and other governmental lists are prohibited.
More information related to prohibited transactions in countries, entities, and individuals can be found at The U.S Department of the Treasury website.
Although Bupa may provide certain information on this page, you remain responsible for the sale of Bupa products and services in accordance with U.S. law. Bupa makes no warranties or representations as to its accuracy. Bupa expressly disclaims any liability whatsoever, including but not limited to, direct, indirect, incidental, special, or consequential damages in connection with or arising from the furnishing of the information provided herein. The information provided here is subject to change without notice. We encourage you to seek appropriate legal advice should you have any questions or concerns regarding the sale of Bupa products and services.
REPORT HEALTH CARE FRAUD
what is health care fraud?
Health care fraud is a crime. It is committed when a provider or policyholder intentionally submits, or has someone else submit, a false or misleading claim to receive an illegal health care benefit payment. Health care fraud, regardless of the amount, may result in higher health care costs for everyone.
Examples of provider health care fraud include but are not limited to:
- Billing for services not actually performed;
- Falsifying a policyholder's diagnosis;
- Billing for a more costly service than what was actually performed;
- Requesting tests, surgeries or other procedures that are not medically necessary;
- Misrepresenting procedures performed to obtain payment for non-covered procedures (e.g., cosmetic surgery);
- Accepting kickbacks for patient referrals; or
- Over-billing the insurance carrier or benefit plan;
Examples of policyholder health care fraud include but are not limited to
- Filing claims for services or medications not received or performed;
- Forging or altering bills or receipts; or
- Using someone else's coverage or insurance card.
How can you avoid and prevent health care fraud?
The following are some examples of things you can do to help avoid and prevent health care fraud:
- Ask questions about the services you are receiving (e.g., Why are they needed? What is the cost? If advertised as a “free” test, treatment or service, confirm that they are in fact “free”.)
- Safeguard your Bupa Identification card as it contains your Bupa insurance benefits information.
- Carefully review and compare your medical bills with your records. Confirm that all of the information (e.g., name, dates and services provided) in your medical bills is correct.
How do you report suspected health care fraud?
Our Special Investigations Unit (SIU) team is responsible for identifying and investigating suspicious health care fraud claims as well as suspending fraudulent payments to providers and/or policyholders. To report suspected health care fraud to Bupa please contact us at:
Bupa Global
Attn: Special Investigations Unit – Head of Customer Service
17901 Old Cutler Road, Suite 400
Palmetto Bay, FL 33157 EE.UU.
OUR PRIVACY PRACTICES
Your privacy is important to us
The following information explains how Bupa collects and protects information about you.