Small business health insurance
Get small business health cover for between 2 and 249 employees.
Your partner for business health and wellbeing
With us by your side, your people are covered from diagnosis to treatment. No gimmicks. Just cover you can rely on, chosen by over 39,000 companies.
That’s better for business.
What is small business health insurance?
With small business health insurance, you can support your team with their health and wellbeing, and keep them at their best.
Health insurance for small business gives your team quick access to GPs and experts in mental health, cancer and more.
We offer three levels of business medical insurance for teams of less than 250 people, giving you options to suit your needs and budget.
We offer different levels of health insurance for small businesses
With any level of cover, we only cover the cost of treatment up to the benefit allowances if it's:
- at a hospital or clinic in your employees’ facility network
- with a Bupa fee assured consultant if the Guided Care option has not been chosen, or
- with a consultant in our list of Open Referral network consultants if the Guided Care option has been chosen
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What’s included?
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Select Key Our base level of cover |
Select Enhanced Extra cover for added reassurance |
Select Complete Our highest level of cover |
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Unlimited digital GP appointments 
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Fast-track help for mental health, cancer and muscle, bone and joint problems
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Outpatient allowance
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£1000 a year |
£1500 a year |
Full cover |
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Scans for diagnosis
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Outpatient complementary medicine
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Up to £250 |
Up to £1500 |
Full cover |
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Hospital care
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Hospital and clinic network
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300+ facilities |
300+ facilities |
600+ facilities |
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Mental health treatment
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Cancer cover
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Private ambulances
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Day and night nurse advice
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NHS cash benefit
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Family mental health advice
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Menopause advice
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What’s included?
|
Select Key Our base level of cover |
Select Enhanced Extra cover for added reassurance |
Select Complete Our highest level of cover |
|---|---|---|---|
|
Unlimited digital GP appointments
|
|
|
|
|
Fast-track help for mental health, cancer and muscle, bone and joint problems
|
|
|
|
|
Outpatient allowance
|
£1000 a year |
£1500 a year |
Full cover |
|
Scans for diagnosis
|
|
|
|
|
Outpatient complementary medicine
|
Up to £250 |
Up to £1500 |
Full cover |
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Hospital care
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Hospital and clinic network
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300+ facilities |
300+ facilities |
600+ facilities |
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Mental health treatment
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Cancer cover
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|
|
|
|
Private ambulances
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|
|
|
Day and night nurse advice
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NHS cash benefit
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Family mental health advice
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Menopause advice
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Winner of Best Individual Health Insurance Provider
and Best Group Health Insurance Provider
What’s included with small business health insurance?
No matter what level of cover you choose for your people, you can expect these benefits as standard:
Unlimited digital GP appointments†
With access to Blua via the My Bupa app, your people can speak to a GP, day or night, by video or phone.
Market-leading mental health cover
Whether it’s work-related stress or home pressures, we’re here. We cover more mental health conditions than any other provider††.
Fast-track muscle, bone and joint help
Muscle, bone and joint problems are one of the biggest causes of sick leave. So your people can call us direct about them.
We’ll check the issue is covered and let them know if they can get treatment without a GP referral. We’ll explain next steps and could even refer them to a physio on the call.
Access to breakthrough cancer drugs
Our cancer cover can offer some cancer drugs and treatments before they’re available on the NHS. Helping your people get the medicines they need, faster. Any drugs or treatments will need to be evidence-based and covered by the policy.
Private treatment at hospitals and clinics
Time with consultants. Tests and scans for diagnosis, such as blood tests and X-rays. Day treatment, including physio. Overnight stays.
Each employee gets an allowance to spend on hospital and clinical care. That amount depends on what level insurance you choose.
Helplines for every hour of the day
Team members can speak to nurses 24/7. Or a menopause-trained nurse, always on hand to guide and advise. All year long.
Worried parents and carers can call our Family Mental HealthLine six days a week, 8am to 6pm. We may record or monitor our calls.
Health and HR support for you
Navigate your employer responsibilities confidently with Growth+. You’ll get support from a dedicated Health and Wellbeing Consultant. Plus, access to handy HR health and wellbeing policy templates.
Digital journey for managing treatment
With My Bupa, employees can request treatment, find out what they are covered for and stay on top of claims. Less admin for you, empowerment for your people.
What’s not covered on any level of cover?
These are some of the exclusions that apply. Please refer to the Policy Guide for the full list of the exclusions.
- Accident and emergency treatment
- Chronic conditions
- Overseas treatment
- Pre-existing conditions, special conditions and moratorium conditions
- Screening, monitoring and preventive treatment
- Unrecognised healthcare professionals, hospitals and clinics
How can I change my small business health insurance cover or cost?
Employee-paid excess
Choose whether employees pay nothing or an excess of £100, £150, £200 per policy year to help bring your business’ cost down.
Levels of cover
You can choose from three different levels of cover (Key, Enhanced, Complete) which differ for the outpatient allowances and the facility access choices.
Pre-existing conditions
If you have over 15 people, you can choose to cover conditions they had before your policy starts. Just choose medical history disregarded underwriting.
Level of facility access
This can be 300+ partnership facilities or 600+ participating facilities depending on the level of cover you choose. Alternatively, you can reduce the cost of your cover with our Guided Care option.
Partner or family cover
If you’d like to offer cover for your employees’ partners or children, you can do this for an additional cost per person.
Payment method
Choose monthly, quarterly, bi-annually or yearly. If you’re incorporated, there could be a surcharge of up to 2.5% unless you pay yearly.
How can I get a health insurance quote for my business?
Fill in your details for a guide price
We'll show you guide prices for Select Key, Enhanced and Complete. So you can compare cover and cost.
Get an online quote
Call us for a more accurate quote
We calculate your price based on lots of factors. Talk to us about options and we can provide tailored quotes for all cover levels.
Seamless access to care for your people
We’re the only insurer with our own hospital and national network of health centres. Plus, the most connections to independent healthcare providers.
Smoother processes. Better health outcomes. We call this ConnectedCare.
Simpler route to treatment
With our own digital GP† app, network of specialists and health centres, we can refer with ease, saving your people time.
Choice of specialists
Our large network of Bupa and independent specialists gives your people more options close to home.
More efficient care and recovery
With the option of our own specialists and facilities, we can get your people to the right treatment option sooner.
Important documents
Read through our policy documents for a full understanding of how our small business health insurance works.
Looking for more business health benefits?
Dental insurance
Check-ups. Cleans. X-rays. Fillings.
Help employees protect their oral health without struggling to see a dentist.
Health assessments
Health tests. Time with experts.
Let our experts help employees reduce potential future heath risks.
Employee assistance programmes
Counselling around the clock.
Because a listening ear and some practical advice can improve wellbeing.
‡Price Beater Guarantee available to small business health insurance customers switching to Bupa from another provider. Eligible customers must purchase directly from Bupa and must provide full policy information to qualify. Terms and conditions apply
^ We may record or monitor our calls. Lines are open 8.30am to 6pm Monday to Friday, excluding bank holidays.
†Some corporate schemes don't include access to digital GP, so please check your scheme documents or give us a call.
††As of March 2025, this comparison to other products in the market is based on Bupa s and Defaqto s interpretation of the differences between Bupa's Bupa By You, SME Select and Corporate Select health insurance products and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.
See PDF How we compare: Small business (PDF 1.3MB).
The My Bupa App is provided by Bupa Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales at 1 Angel Court, London, EC2R7HJ. Its company number is 3829851. VAT Registration Number: 239731641.
Bupa health insurance and dental insurance are provided by Bupa Insurance Limited. Registered in England and Wales with registration number 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 with registration number 3829851. Registered office: 1 Angel Court, London EC2R 7HJ.
Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa health assessments, EAP programmes and Bupa Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa health assessments, EAP programmes and Bupa Digital GP are provided by Bupa Occupational Health Limited. Registered in England and Wales with registration number 631336. Registered office: 1 Angel Court, London EC2R 7HJ.
