Small business health insurance. Price fixed for 2 years.

Two-year fixed price included at no additional cost with Select health insurance. Available for new small business customers who purchase directly from Bupa and are not switching from another provider. Call us on 0345 266 8974^ to find out more. T&Cs apply

We’re changing the way we think about mental health

Mental health continues to be a key priority for business, but employees still face many challenges in accessing treatments. That’s why our business health insurance covers more mental health conditions than any other leading UK insurer††† and we’ve taken steps to remove most exclusions for small business and corporate customers†. To find out more give us a call on 0808 159 8772^

See PDF How we compare: Small business (PDF 0.3MB)
See PDF How we compare: Corporate business (PDF 0.2MB)

What causes mental health problems in the workplace?

One in four people will experience a mental health condition in their lifetime. Work can sometimes heighten pre-existing mental health conditions, such as anxiety and depression. Whilst the pressures of the workplace can also trigger mental health problems such as stress.

A number of work-related factors can have a negative impact on mental health. For example,high workloads, tight deadlines and not feeling challenged enough can all contribute to poor mental health of employees. Spotting the signs of ill mental health in your employees early (lack of motivation, tiredness and withdrawal from both work and social interactions) can help you support your team in accessing the help they need.

Opening up the conversation about mental health in the workplace, checking in on your team regularly and providing access to mental health support such as Employee Assistance Programmes (EAP) promotes good mental wellbeing in the workplace.

How can Mental Health Advantage help?

More ways we’re improving our cover

Health tools and information

We have a wealth of online tools, quizzes, calculators and mobile apps and health content to help your employees look after their health and wellbeing.

We provide more than just health cover††

Our complementary, chargeable services including Employee Assistance Programmes , resilience and stress management solutions are available options to help support your employees’ mental wellbeing – whatever they’re facing.

Family Mental HealthLine

You don’t expect your people to leave their personal life at the door. If there’s something not quite right at home, it’s likely to have a knock-on effect at work, which is why a third of employees say they worry about their children’s mental wellbeing while working.

We can help you support your people as parents and carers. When they call the helpline, they’ll talk to a trained adviser and mental health nurse‡‡‡ who will listen, provide advice, guidance and support, whether or not the child is covered on their policy. Helping to put everyone’s minds at ease.

Read more

Employee Assistance

Bupa Employee Assistance Programmes (EAPs) are confidential mental health and wellbeing support services that contribute to your organisation’s wellbeing strategy and help satisfy your duty of care as an employer by offering expert support to help individuals take control of their situation. Your employees can call in confidence, any time of the day or night, to talk over their concerns with a counsellor. If appropriate, they will be put through to a specialist with the right expertise for their needs. In addition we offer a range of digital tools to support your employees’ wellbeing.

We also make it easy to access Bupa Insurance mental health benefits through a seamless referral process††† following a comprehensive telephone assessment.

Read more

Resilience and stress management solutions

We can provide on-site training for line managers and other employees to help them build resilience and manage stress to prevent mental health issues occurring.

We also offer a pro-active digital solution 'Emotional Wellbeing Online' for the whole of workforce which helps employees feel in control.

Read more

Mind provide advice and support to empower anyone experiencing a mental health problem.

Find out more about Mind

Learn more about What works wellbeing, an independent collaborative centre that puts high quality evidence on wellbeing into the hands of decision-makers in government, communities, businesses and other organisations.

Learn more about Business in the Community, a business-led membership organisation made up of progressive businesses of all sizes who understand that the prosperity of business and society are mutually dependent.

Read more about CMHA, a coalition of organisations that have come together to create an environment in the City where mental health is discussed in the same way as physical health.

††††As of February 2022, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa’s 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 0.3MB)
See PDF How we compare: Corporate business (PDF 0.2MB)

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.

Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, we’ll ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health). We can then refer you to a consultant or therapist through the Direct Access service. Always call us first to check your eligibility.

††The services mentioned here are separate to our business health cover, please ask your account manager for more details on how they can help your business.

‡‡ Available with business health insurance and trusts when mental health cover is included in the selected health cover product

^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.

†††Standard exclusions for pre-existing, special and moratorium conditions, and benefit limits for out-, in- and day-patient mental health treatment continue to apply. For full details please refer to your guide and certificate

‡‡‡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.

^We may record or monitor our calls

Bupa health insurance is 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. Registered office: 1 Angel Court, London, EC2R 7HJ.

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

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 2-years fixed price at no additional cost (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 registered small or medium sized corporate entities (including, for example, companies, partnerships and associations) covering between 2 and 249 employees (“SMEs”) who purchase a new Select Policy directly from Bupa.
  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.
  5. Quotes are valid for 28 days and Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  6. The fixed price option guarantees the price of the Select Policy for 2 years (the “Fixed Period”). 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 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 and dependents from the Select Policy, babies covered on a complimentary basis becoming paid-for child dependents at the first renewal, and child-dependents reaching the age of 24 during the first year of cover who would then be required to pay the adult rate in the second year of cover.
  7. You may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the fixed price option.
  8. When calculating renewal prices for a Select Policy after the Fixed Period, 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.
  9. 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.
  10. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
  11. The Offer is non-exchangeable, non-transferable, has no cash value/alternative but can be used in conjunction with other promotions or offers.
  12. Bupa will use any personal information in accordance with its privacy notice which can be found at
  13. 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.
  14. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.