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Small business health insurance. Rate fixed for 2 years.

Take out a new Select health insurance policy and we’ll fix the rate you pay for 2 years. That’s added peace of mind. Any changes you make to your policy during the 2-year fixed period could affect the price you pay in your second year of cover. Available for new small business customers who purchase directly from Bupa and do not hold an existing health insurance policy. T&Cs apply
Call us on 0345 266 8974^ to find out more.

We don’t just provide health insurance

Our health insurance cover is rated '5 Star' by Defaqto. With over 3,500 reviews and an 8 out of 10 TrustScore, we're also rated ‘great’ by our customers on TrustPilot.

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With Bupa cancer cover there are no time limits. All eligible treatment costs and evidence-based breakthrough cancer drugs and treatments that your scheme covers are paid in full for as long as you have Bupa health cover. You must use a hospital or health centre from the Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant). Please check your certificate or guide to see which specific list of advanced therapies your employer has selected as it may not cover all advanced therapies.

††As of September 2023, 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 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 0.1MB)

‡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.

Occupational Health services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Bupa health insurance, dental insurance and cash plan 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, flu vaccinations, Employee Assistance programs 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.

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 rate 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. The Offer is only available for new SME clients for whom a quote is provided for a Select Policy. Quotes are valid for 28 days and Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  6. The fixed rate 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 rate option.
  8. When calculating renewal prices for a Select Policy after the Fixed Rate 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 and cannot be used in conjunction with other promotions or offers except for Bupa’s free HR support offer provided by WorkNest (the “WorkNest Offer”).
  12. The WorkNest Offer is not available for the following:
    • a. SME clients who are covering more than 25 members on their Select Policy; or
    • b. SME clients who are switching from an alternative company health insurance provider; or
    • c. SME clients who purchase their Select Policy through an intermediary; or
    • d. existing Bupa clients who hold a policy for any Bupa product or service.
  13. Eligible clients will receive access to WorkNest’s HR support service for SME’s during the first year of cover when purchasing a new Select Policy. The WorkNest Offer cannot be used against any other Bupa product or service. This service is provided by WorkNest Limited.
  14. The WorkNest Offer is only available for new Eligible SME clients for whom a quote is provided for a Select Policy between 3 January 2023 and 29 December 2023 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 3 January 2023 and 29 December 2023 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  15. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
  16. 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.
  17. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.
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