What looks at first sight like dismal results from Bupa, the international insurer and healthcare operator, with a fall in pre-tax profits of 39% to £374m on sales of £9.8bn is actually much brighter than they first appear. Exclude most write offs and currency fluctuations, and pre-tax profits fell 2%, exclude all write offs and they rose 7% on sales up 6% in constant currencies. That is despite a 5% drop in sales at Bupa Global, the international insurance arm as Bupa dropped unprofitable business. We talk to CEO Stuart Fletcher about how apps and ehealth are helping sales, new insurance offers and acquisitions.