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As the impact of coronavirus (COVID-19) is felt across the UK and in many other parts of the world, you may have questions about how it could affect your health, travel and business.

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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



Defaqto BBY Comprehensive 2020 large. Five stars

Get a guide price on small business health insurance for 50 or less employees

Step 1 of 3 - Your details

Fill out your details to get a guide price. You'd be best giving us a call on 0808 271 7248^ if you'd rather get a full quote straight away, are looking to cover more than 50 of your employees or if you're already covered with another provider.

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What's included in our health insurance cover?

‡‡As of November 2019, analysis based on internally conducted research of the SME health insurance market.

Our small business health insurance cover options

Bupa Select has three levels of cover to choose from as well as a wide range of benefits for your employees:

Key benefits

Select Key -
Our base level

Select Enhanced - 
Extra cover for added reassurance

Select Complete - 
Our highest level of cover

Access to facilities nationwide

Over 300 partnership facilities

Over 600 participating facilities

Out-patient cover for consultations, X-rays and diagnostic tests

£1,000 per year

£1,500 per year

Paid in full†

Out-patient complementary medicine treatment

Up to £250 within 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

Paid in full†

Cancer cover

Paid in full††

Mental health cover

Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants

Digital GP in partnership with 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.

Ageing, menopause and puberty, Accident and emergency treatment, Allergies, allergic disorders or food intolerances, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatment, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.

Key benefits

Select Key -
Our base level

Select Enhanced - 
Extra cover for added reassurance

Select Complete - 
Our highest level of cover

Access to facilities nationwide

Over 300 partnership facilities

Over 300 partnership facilities

Over 600 participating facilities

Out-patient cover for consultations, X-rays and diagnostic tests

£1,000 per year

£1,500 per year

Paid in full†

Out-patient complementary medicine treatment

Up to £250 within 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†

Consultant fees and facility charges

Paid in full†

Paid in full†

Paid in full†

Cancer cover

Paid in full††

Paid in full††

Paid in full††

Mental health cover

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 in partnership with 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)

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

Excess options

£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.

Ageing, menopause and puberty, Accident and emergency treatment, Allergies, allergic disorders or food intolerances, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatment, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.

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.

Ageing, menopause and puberty, Accident and emergency treatment, Allergies, allergic disorders or food intolerances, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatment, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.

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.

Ageing, menopause and puberty, Accident and emergency treatment, Allergies, allergic disorders or food intolerances, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatment, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.

How Bupa helps make winning teams

Award-winning 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.

^Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor calls.

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.

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