I was sitting in a pub in Essex with my long suffering wife - we were down at Burnham sailing- when I heard 3 guys talking about army stuff. They sounded like retired officers doing some sort of consultancy. They were a bit loud so I cannot be accused of intentionally eavesdropping, but I heard one of them complaining that his son was going to Sandhurst soon and in the joining pack he was sent an application to join BUPA! I nearly joined in to ask if he was serious but I bit my tongue as the other 2 did it for me. Apparently this is true. Is this how the MOD hopes to get round the after care problems that they have with those injured in Irag or Afghanistan? How bizzare is that. Will BUPA pay out if the injury is as a result of Hostile action or terrorism. What is the insurance definition for what is happening in the ME. I just thought I would ask what you chaps felt about it.