Small business health insurance
Talk to us now on 0808 250 7503^
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.
- Improve productivity and reduce absence in the workplace
- Quickly get your people back to their best
- Help attract and retain the best talent for your business
- Access expert help building your wellbeing strategy
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 274 1080∧ or request a call back

Small business health insurance cover options
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 Entry level for new direct customers† |
Select Key Our base level |
Select Enhanced For extra reassurance |
Select Complete Our highest level of cover |
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Facility access |
300+ partnership facilities or Guided Care |
300+ partnership facilities or Guided Care |
300+ partnership facilities or Guided Care |
600+ participating facilities or Guided Care |
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 out-patient limit |
Up to £250 from out-patient limit |
Up to £1,500 from out-patient limit |
Paid in full |
Out-patient MRI, CT and PET scans |
Paid in full |
Paid in full |
Paid in full |
Paid in full |
Consultancy 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 |
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Virtual GP appointments with Blua Health |
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NHS cash benefit |
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Excess options |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
Key benefits |
Select Custom Entry level for new direct customers† |
Select Key Our base level |
Select Enhanced For extra reassurance |
Select Complete Our highest level of cover |
---|---|---|---|---|
Facility access |
300+ partnership facilities or Guided Care |
300+ partnership facilities or Guided Care |
300+ partnership facilities or Guided Care |
600+ participating facilities or Guided Care |
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 out-patient limit |
Up to £250 from out-patient limit |
Up to £1,500 from out-patient limit |
Paid in full |
Out-patient MRI, CT and PET scans |
Paid in full |
Paid in full |
Paid in full |
Paid in full |
Consultancy 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 |
|
|
|
|
Virtual GP appointments with Blua Health |
|
|
|
|
NHS cash benefit |
|
|
|
|
Excess options |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
£0, £100, £150, £200 or £500 |
How to get health insurance for a small business
You can get a guide price with our online quote tool. Or, you can call us on 0808 274 1080∧ or arrange a callback to discuss any small business health insurance product questions and next steps.
Get a guide priceKey exclusions and footnotes
†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.
High level overview of small business products for new direct customers only
Essential information explaining Select health insurance
How Bupa helps make winning teams
24/7 video chat with a doctor using Bupa blua health digital GP.
Your employees can get the help they need, fast, by talking to a doctor, nurse, pharmacist or physio within hours.
Your employees can call us first for advice and treatment.
Our Anytime HealthLine is open 24/7. Plus, for certain conditions, our Direct Access‡‡‡‡ could give employees quicker access to specialists.
We’ve got the most extensive mental health cover on the market*.
From diagnosis and treatment to employee assistance programmes (EAP), we can help your employees with any mental health concerns.
Access to useful health resources with our online wellbeing hub.
Including wellbeing guides, toolkits and articles that could help shape your workplace wellbeing strategies.
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.
^Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor calls.
‡‡‡‡Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover. For example, if your cover excludes conditions you had before your cover started, we may ask for further information from your GP. Please check your guide and certificate for further details or contact us to check your eligibility.
Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are provided by Babylon Healthcare Services Limited, registered in England and Wales with number 09229684, registered office: 1 Knightsbridge Green, London SW1X 7QA. 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
- 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 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.