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Small business health insurance.
What is small business health insurance?
Small business health insurance is an insurance policy that offers your employees private healthcare. If your team has fewer than 250 employees, our small business health insurance will cover the cost of private healthcare, from diagnosis to treatment. We offer three levels of small business health insurance, so you can find the cover that suits your business needs.
What are the benefits of small business health insurance?
There are great perks to taking out small business health insurance for your team.
- Can reduce absence in the workplace
- Can boost productivity within the team
- Employees’ physical and mental wellbeing is taken care of
- Extensive mental health cover for your team
With our small business health insurance, your team could get even sharper. Even keener. Even more productive. We’ll look out for your employees’ mental and physical wellbeing, so you can focus on what you do best: running your business.
Call us on 0808 256 9436^ or request a call back
What's included in our health insurance cover?
Access up to 600 hospitals in our networks
Cancer cover as standard
Cover for eligible out-patient consultations and treatment
24/7 access to a qualified nurse through Bupa Anytime Healthline
Facility charges for eligible in-patient and day-patient treatment in a Bupa recognised facility within your chosen network are paid in full
Cover for eligible musculoskeletal conditions, to care for your muscles, bones and joints
The most extensive mental health cover on the market‡‡
Access to the Bupa Digital GP app provided by Babylon for unlimited GP appointments 24/7 and symptom checker
‡‡As of December 2020, this analysis is based on an internally conducted review of the SME health insurance market using publicly available information from the major insurers in the UK SME 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 SME health insurance product. We acknowledge that some SME schemes have bespoke benefits.
Access Bupa from home
To support our customers, we have now introduced new and expanded services which can be accessed from the safety and comfort of their home.
00:00 (gentle music)
00:03 Life's changing, and so is our cover.
00:06 We're here to help support you with services you can access
00:09 from the comfort of your own home.
00:11 So there's no need to go anywhere
00:13 and no need to put your health and wellbeing on hold.
00:17 We're always innovating and adapting our services
00:19 to support our customers.
00:21 Whatever you're worry, big or small, we're here to help.
00:25 Bupa From Home gives you access
00:27 to a range of healthcare professionals
00:29 who you can speak to whenever you need them,
00:31 with a choice of services available.
00:33 Our Anytime HealthLine is available 24/7.
00:36 So you can chat to a nurse and get the advice you need
00:39 day or night.
00:40 Whether it's rashes, bumps and lumps,
00:43 worries about surgery or back pain,
00:45 a medication inquiry, or you just need advice
00:48 if your child is unwell at night.
00:50 More worrying symptoms like cancer often mean
00:53 you want to speak to a medical expert even quicker.
00:56 For cancer, mental health, muscles, bones and joints,
00:59 you could speak to a specialist
01:00 without the need for a GP referral
01:02 through our Direct Access Service.
01:05 Our digital GP, in partnership with Babylon,
01:08 offers convenient, personal and confidential
01:10 video and voice appointments,
01:12 allowing you to talk one to one with a GP 24/7
01:16 from the comfort of your own home.
01:19 If you've developed a niggle working from home,
01:21 call us and get the help you need.
01:23 Or if you're waiting for treatment,
01:24 you could even be giving case management support
01:27 from a physio, with a personalized program
01:29 to get you moving again.
01:32 Our consultants and therapists are available
01:34 for phone or video consultations.
01:37 So if you need ongoing diagnosis and treatment
01:39 with a specialist, you may not even need to leave the house.
01:43 We're also here to help your mental health from home.
01:46 Whether it's financial worries,
01:47 feelings of isolation and loneliness or anxiety,
01:51 we understand how helpful it can be
01:53 to talk when times are tough.
01:55 That's why you can speak to a trained mental health advisor
01:58 about whatever's on your mind.
02:00 And depending on your cover,
02:02 you could be referred to a specialist.
02:04 We can also help you to help others too.
02:07 If a family member is struggling, we're here to talk.
02:11 We understand that waiting for treatment
02:13 can really affect your quality of life.
02:16 So our clinical experts are on hand to provide you with
02:18 the most appropriate advice and guidance.
02:22 We support you whilst you wait for your treatment to start
02:25 including pain management, online resources,
02:27 plus health and lifestyle coaching,
02:29 helping you stay in the best health possible.
02:33 Bupa.co.uk has a wealth of useful articles,
02:36 videos, podcasts and quizzes
02:38 written by our health experts.
02:40 As well as tools to help keep you fit and well.
02:43 With our trusted information, support and advice online,
02:47 we're helping you look after yourself and others from home.
02:51 We're here for you,
02:52 so don't put your health and wellbeing on hold.
02:55 (gentle music)
Our small business health insurance cover options for new direct customers1
Bupa Select has four levels of cover to choose from as well as a wide range of benefits for your employees:
Key benefits |
Select Custom – |
Select Key - Our base level |
Select Enhanced - |
Select Complete - |
|---|---|---|---|---|
Access to facilities nationwide |
Over 300 partnership facilities |
Over 600 participating facilities |
||
Out-patient cover for consultations, X-rays and diagnostic tests |
£500 per year |
£1,000 per year |
£1,500 per year |
Paid in full† |
Out-patient complementary medicine treatment |
Up to £250 from within your out-patient benefit limit above |
Up to your out-patient benefit limit above |
Paid in full†† |
|
Out-patient MRI, CT and PET scans |
Paid in full† |
|||
Consultant fees and facility charges for day/in-patient treatment and for out-patient surgical operations |
Paid in full† |
|||
Cancer cover |
Paid in full†† |
|||
Mental health in-patient and day-patient treatment |
Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants |
|||
Digital GP provided by Babylon††† |
Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) |
|||
NHS cash benefit |
£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment |
|||
Excess options |
£0, £100, £150, £200, £500 |
|||
Key exclusions |
Our main exclusions are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
|||
Key benefits |
Select Custom – |
Select Key - Our base level |
Select Enhanced - |
Select Complete - |
|---|---|---|---|---|
Access to facilities nationwide |
Over 300 partnership facilities |
Over 300 partnership facilities |
Over 300 partnership facilities |
Over 600 participating facilities |
Out-patient cover for consultations, X-rays and diagnostic tests |
£500 per year |
£1,000 per year |
£1,500 per year |
Paid in full† |
Out-patient complementary medicine treatment |
Up to £250 from within your out-patient benefit limit above |
Up to £250 from within your out-patient benefit limit above |
Up to your out-patient benefit limit above |
Paid in full†† |
Out-patient MRI, CT and PET scans |
Paid in full† |
Paid in full† |
Paid in full† |
Paid in full† |
Consultant fees and facility charges for day/in-patient treatment and for out-patient surgical operations |
Paid in full† |
Paid in full† |
Paid in full† |
Paid in full† |
Cancer cover |
Paid in full†† |
Paid in full†† |
Paid in full†† |
Paid in full†† |
Mental health in-patient and day-patient treatment |
Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants |
Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants |
Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants |
Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants |
Digital GP provided by Babylon††† |
Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) |
Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) |
Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) |
Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) |
NHS cash benefit |
£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment |
£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment |
£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment |
£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment |
Excess options |
£0, £100, £150, £200, £500 |
£0, £100, £150, £200, £500 |
£0, £100, £150, £200, £500 |
£0, £100, £150, £200, £500 |
Key exclusions |
Our main exclusions are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
Our main exclusions are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
Our main exclusions are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
Our main exclusions are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
1 For new customers purchasing directly from Bupa only. A different version of Select Custom is available for renewal customers, and for customers purchasing via an intermediary or asking for a comparable quote directly from Bupa
†When we say benefits are paid in full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee-assured consultant) or a Bupa recognised complementary medicine practitioner.
††When we say benefits are paid in full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant.
††† Customers who live in the Isle of Man do not have access to Digital GP provided by Babylon but can access GP24 provided by HealthHero. Some corporate schemes don't include access to Digital GP or GP24, please check your scheme documents or give us a call.
High level overview of our small business health insurance and business products for new direct customers only
Essential information explaining Select health insurance
How Bupa helps make winning teams
24/7 access to a GP with the Bupa digital GP app provided by Babylon.
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Your employees can call us first for advice and treatment.
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We’ve got the most extensive mental health cover on the market.
Access to useful health resources with our online wellbeing hub.
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.
Call us
0345 266 8974^
^Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor our calls.
^Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor calls.
†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.
Babylon Healthcare Services Limited is a limited company registered in England and Wales No 9229684 (‘Company’). Registered office: 60 Sloane Avenue, London, SW3 3DD.
Digital GP is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
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. 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.
†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 access to Bupa’s Healthy Minds Employee Assistance Programme (“EAP”) during 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.
3. The Offer will not be applied in subsequent policy years. If you wish to continue to have access to EAP for your employees after the first year of cover, you must request this at renewal of your Select Policy and pay any applicable fees and charges.
4. The Offer is available to UK registered small or medium sized corporate entities with between 2 and 249 employees (“SMEs”) who purchase a new Select Policy directly from Bupa for their employees.
5. The Offer is available to new SME clients, including those switching from an alternative company health insurance provider, 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 for the benefit of their
employees; or existing SME clients who hold a PMI policy with Bupa for the benefit of their employees.
6. The Offer is only available for new or switching SME clients for whom a quote is provided for a Select Policy between 1 April 2021 and 28 May 2021 inclusive. Quotes are valid for 28 days and the Select Policy have a start date between 1 April 2021 and 28 May 2021 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply
7. All employees covered, including any new joiners after the Select Policy has started, will be eligible to access the EAP during the first year of cover as long as they are covered by the Select Policy. Employees who leave or otherwise stop being covered by the Select Policy will not be eligible to access the EAP.
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.
11. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
12. 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.
13. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.
