20% off small business health insurance
Discount applied to the base price of your cover for as long as you stay with Bupa (subject to other factors). For new customers who purchase directly from Bupa and are not switching from another provider.
Offer ends 28 Feb 2022. Call 0345 266 8974^ to find out how much you could save. T&Cs apply†
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 four 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
- Cover for your employees’ physical and mental wellbeing
- Extensive mental health cover for your team
With our small business health insurance, your team could get 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 business health insurance cover?
From access to a network of hospitals across the UK, cancer cover and mental health support, you’ll find a wide range of health and wellbeing benefits for your team when you take out our small business health insurance policy.
If you’re a small business owner our business health insurance policies allow you to offer your employees access to suitable care. We offer four different levels of cover with our small health insurance plans, helping you to choose the option that best suits your business needs.
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 August 2021, 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.
Access Bupa from anywhere
To support our customers, we have now introduced new and expanded services which can be accessed from the safety and comfort of their home.
Even though things are still a little unusual
our experts are still here for all our Bupa customers,
wherever here is
You could see a GP in your garden, with Digital GP
a specialist in your study using Direct Access
get a physio in your front room
our muscles, bones and joints team are only a phone call away
With Anytime HealthLine you can call 24/7
and speak to a nurse - even from your nursery
And remember, our Family Mental HealthLine is there when you need it
Whether you choose to see us from home or in person
with Bupa we're right here where you are, when you need us.
No more delaying. No more worrying. No more putting it off.
Don't put your health on hold.
Bupa. Healthcare from anywhere Even though things are still a little unusual
our experts are still here for all our Bupa customers,
wherever here is
You could see a GP in your garden, with Digital GP
a specialist in your study using Direct Access
get a physio in your front room
our muscles, bones and joints team are only a phone call away
With Anytime HealthLine you can call 24/7
and speak to a nurse - even from your nursery
And remember, our Family Mental HealthLine is there when you need it
Whether you choose to see us from home or in person
with Bupa we're right here where you are, when you need us.
No more delaying. No more worrying. No more putting it off.
Don't put your health on hold.
Bupa. Healthcare from anywhere
Our small business health insurance cover options for new direct customers1
Bupa Select has four levels of medical insurance cover to choose from as well as a wide range of employee benefits:
|
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 |
Pre-existing conditions, and ailments related to it, are often excluded from your policy because health insurance is designed to treat new conditions that occur after your cover has started.
|
|||
|
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 |
The main exclusions from our insurance policy for small business’ are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
Pre-existing conditions, and ailments related to it, are often excluded from your policy because health insurance is designed to treat new conditions that occur after your cover has started.
|
The main exclusions from our insurance policy for small business’ are listed below. Please refer to the Bupa Membership Guide for our complete list of exclusions. This will be provided by your Bupa representative. |
The main exclusions from our insurance policy for small business’ 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.
††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.
†††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.
‡ 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.
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.
Your employees can call us first for advice and treatment.
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 12,500 reviews and a 4.4 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.
†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 a 20% discount (the “Offer”) when purchasing a new Bupa Select Company Private Medical Insurance (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 for their employees.
- 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 for the benefit of their employees.
- The Offer is only available for new SME clients for whom a quote is provided for a Select Policy between 4 January 2022 and 28 February 2022 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 4 January 2022 and 28 February 2022 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
- The discount amount is based on 20% of the total annual subscription amount of the Select Policy net of Insurance Premium Tax (“IPT”). The discounted subscription amount will be stated in the quote provided and shall be used as the base price for renewals in subsequent years.
- 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 IPT, 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 price offer (the “Fixed Price Offer”) which allows new SME clients to fix the price of the Select Policy for 2 years subject to separate terms and conditions. The Fixed Price 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 for the benefit of their employees.
- The Fixed Price Offer guarantees the price 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 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 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 Price Offer.
- When calculating renewal prices for a Select Policy after the Fixed Price 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.
- 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 or any other losses whatsoever under or in connection with the operation of the Offer.
- These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.
^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.
