A deductible is the amount of money that the member needs to pay before being compensated by Bupa. Treatment in the British Virgin Islands, u.S. Virgin Islands and Puerto Rico is not subject to deductible. Treatment received elsewhere and within the Bupa Secure Network is subject to an annual deductible of Us$1,000 per member, per policy year not to exceed a maximum of two deductibles (Us$2,000) per policy year.