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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 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



Defaqto - SME Bupa select - complete 5 stars 2022 

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.

We'll only use your email address to get in touch with you about this quote.

Please enter your preferred contact number, we'll only use this to contact you about your quote.

What's included in our small business health insurance?

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.

‡‡As of February 2022, 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 0.3MB)

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

Access to partnership facilities nationwide

300+ facilities

300+ facilities

300+ facilities

600+ 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 out-patient limit

Up to £250 from out-patient limit

Up to £1,500 per year 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‡‡‡  Question mark

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Digital GP in partnership with Babylon†††† Question mark

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NHS cash benefit  Question mark

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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

Access to partnership facilities nationwide

300+ facilities

300+ facilities

300+ facilities

600+ 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 out-patient limit

Up to £250 from out-patient limit

Up to £1,500 per year 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‡‡‡  Question mark

tick icon

tick icon

tick icon

tick icon

Digital GP in partnership with Babylon†††† Question mark

tick icon

tick icon

tick icon

tick icon

NHS cash benefit  Question mark

tick icon

tick icon

tick icon

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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

How Bupa helps make winning teams

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.

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

‡‡‡‡Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, we'll ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health). Always call us first to check your eligibility.

Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No. 09229684. 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 a 20% discount (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 is available to UK based small or medium sized corporate entities (including, for example, companies, partnerships, and associations) covering between 2 and 249 members inclusive (“SMEs”) who purchase a new Select Policy directly from Bupa.
  4. 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.
  5. The Offer is only available for new SME clients for whom a quote is provided for a Select Policy between 1 August 2022 and 30 September 2022 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 1 August 2022 and 30 September 2022 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  6. 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.
  7. 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.
  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 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.
  11. 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 Members on 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.
  12. 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. Examples of benefit options include (but are not limited to) facility access, out-patient limits and levels of excess.
  13. 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.
  14. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
  15. 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.
  16. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.
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