What is business health insurance?

Company health insurance can help you to support your employee’s health and wellbeing and reduce absence in the workplace. With private medical cover your employees can quickly access health services when they need it most. Helping your team to get back on their feet and feeling their usual selves.

At Bupa, we know that a healthy team makes a happy and engaged team, that’s why we offer a range of health cover options. From small businesses to corporate enterprises you can tailor your business health insurance plan to support both your business and employee’s health and wellbeing needs.

Why should your business have health insurance?

There are lots of benefits for both your business and employees when it comes to business health insurance. Offering your employees private medical care can help them to access healthcare services quickly, often with shorter waiting lists and waiting times.

Company health insurance gives your team access to both mental and physical health services, supporting your team’s health and wellbeing. Helping your business to attract and retain an engaged and productive team.

What cover does business health insurance give?

We offer a range of products and services to support the wellbeing needs of your employees, including (but not limited to);

Bupa healthcare policies can be tailored to best suit your business needs for both small business health insurance and corporate health insurance.



Terms and conditions

1. In these terms and conditions, references to “Bupa” are to Bupa Insurance Limited, which may act through its agent Bupa Insurance Services Limited.
2. Eligible clients will receive a 20% discount (the “Offer”) when purchasing a new Bupa Select Company PMI Policy (the “Select Policy”) subject to these terms and conditions. The Offer cannot be used against any other Bupa product or service.
3. The Offer is available to UK based small or medium sized corporate entities (including, for example, companies, partnerships, and associations) covering between 2 and 249 employees inclusive (“SMEs”) who purchase a new Select Policy directly from Bupa for their employees.
4. The Offer is available to new SME clients and is not available for the following:
    a. SME clients who are switching from an alternative company health insurance provider; or
    b. SME clients who purchase their Select Policy through an intermediary; or
    c. existing Bupa clients who hold a policy for any Bupa product or service for the benefit of their employees.
5. The Offer is only available for new SME clients for whom a quote is provided for a Select Policy between 2 August 2021 and 30 September 2021 inclusive. Quotes are valid for 28 days and the Select Policy must start between 2 August 2021 and 30 September 2021 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
6. The discount amount is based on 20% of the total annual subscription amount of the Select Policy net of Insurance Premium Tax (“IPT”). The discounted subscription amount will be stated in the quote provided and shall be used as the base price for renewals in subsequent years.
7. When calculating renewal prices for a Select Policy, Bupa considers additional factors such as (but not limited to) claims history, age of members, the rising cost of healthcare and IPT, which will be factored into each year’s renewal subscription.
8. Bupa reserves the right to decline to offer a Select Policy in its absolute discretion, and Bupa’s decision regarding any aspect of this promotion is final.
9. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
10. The Offer is non-exchangeable, non-transferable, has no cash value/alternative and cannot be used in conjunction with any other promotions or offers except for Bupa’s Fixed Price Plus (the “Fixed Price Offer”) which allows new SME clients to fix the price of the Select Policy for 2 years subject to separate terms and conditions. The Fixed Price Offer is not available for the following:
    a. SME clients who are switching from an alternative company health insurance provider; or
    b. SME clients who purchase their Select Policy through an intermediary; or
    c. existing Bupa clients who hold a policy for any Bupa product or service for the benefit of their employees.
11. The Fixed Price Offer guarantees the price of the Select Policy for 2 years. However, this is not protected from any increases in Insurance Premium Tax (“IPT”) at the first renewal. Changes to the Select Policy made during the 2-year fixed period may also affect the price at the first renewal, although the rate per member will remain fixed. Examples of changes to the Select Policy include (but are not limited to): adding or removing members from the Select Policy, complimentary babies becoming paid-for child dependants at the first renewal, and child-dependants reaching the age of 24 during the first fixed year who would then be required to pay the adult rate in the second fixed year.
12. Please note, you may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the Fixed Price Offer.
13. When calculating renewal prices for a Select Policy after the Fixed Price Offer has ended, Bupa considers additional factors such as (but not limited to) claims history, age of members, the rising cost of healthcare and IPT, which will be factored into each year’s renewal subscription.
14. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
15. To the fullest extent permitted by law, Bupa and its group companies shall not be liable to the SME client or any of its employees for any claims, damages or any other losses whatsoever under or in connection with the operation of the Offer.
16. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.



Please note: Existing in-patient, out-patient and day case benefit limits and exclusions for pre-existing conditions still apply to our cover for mental health conditions.

^ Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor our calls.

Telephone support between 8am – 6pm Monday to Friday via a dedicated helpline. Calls may be recorded to maintain the quality of our Family Mental HealthLine service.

††As of May 2021, this analysis is based on an internally conducted review of the SME health insurance markets using publicly available information from the major insurers in the UK consumer health insurance market. Combined, Bupa, AXA Health, Aviva and Vitality hold approximately 90% of the Gross Written Premium income of UK PMI providers. Refers to standard mental health cover when this is included in the selected health insurance or health trust product. We acknowledge that schemes can have bespoke benefits.

See PDF How we compare: Small business (PDF 1MB)

Bupa health insurance, dental insurance, cash plan and travel insurance are provided by Bupa Insurance Limited. Registered in England and Wales No.3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Bupa Health Assessments and Occupational Health services are provided by Bupa Occupational Health Limited. Registered in England and Wales No.631336. Registered office: 1 Angel Court, London, EC2R 7HJ.

We'd like to advise patients that many images and videos used throughout our website were taken and produced before the COVID-19 outbreak. Therefore social distancing rules and extra levels of PPE are not displayed.

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