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††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.
‡‡As of February 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 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)
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, EAP Programmes, flu and Private GP 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
- In these terms and conditions, references to “Bupa” are to Bupa Insurance Limited, which may act through its agent Bupa Insurance Services Limited.
- Eligible clients will receive free access to a Bupa Dental Plan Level 1 (the “Dental Plan”) in the first year of cover (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.
- 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.
- The Offer is available to new and switching SME clients and is not available for the following:
- a. SME clients who purchase their Select Policy through an intermediary; or
- b. existing Bupa clients who hold a policy for any Bupa product or service.
- The Offer will not be applied in subsequent policy years. If you wish to continue access to the Dental Plan for members of the Select Policy after the first year of cover, you must request this at renewal of your Select Policy and pay any applicable fees and charges.
- The Offer is only available for new and switching SME clients for whom a quote is provided for a Select Policy between 2 October 2023 and 30 November 2023 inclusive. Quotes are valid for 28 days and the Select Policy must start between 2 October 2023 and 30 November 2023 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
- All employees (main members) covered from the Select Policy start date (excluding dependents) will be eligible to access the Dental Plan during the first year of cover as long as they continue to be covered by the Select Policy. Employees that join after the Select Policy start date, that leave their employment or are no longer covered by the Select Policy for any reason will not be eligible to access the Dental Plan.
- 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 Insurance Premium Tax, which will be factored into each year’s renewal subscription.
- 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.
- Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
- 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 free 2-year Fixed Rate offer (the “Fixed Rate Offer”) which allows new SME clients to fix the rate of the Select Policy for 2 years subject to separate terms and conditions, and Bupa’s free WorkNest offer (the “Growth+ Offer”) subject to additional terms and conditions.
- The Fixed Rate 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.
- The Fixed Rate Offer guarantees the rate 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 rate 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.
- Please note, you may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the Fixed Rate Offer. Examples of benefit options include (but are not limited to) facility access, out-patient limits and levels of excess.
- When calculating renewal prices for a Select Policy after the Fixed Rate 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.
- 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.
- Eligible clients for the WorkNest Offer will receive access to WorkNest’s HR support service for SMEs 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.
- 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.
- Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
- 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, losses or any other liabilities whatsoever arising under or in connection with the operation of the Offer.
- These terms and conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.