Free 24/7 Employee Assistance Programme (EAP) with Select health insurance
EAP included with first year of cover. For new small business customers who purchase directly from Bupa only. Offer ends 28 May 2021. T&Cs apply Call us for more information on 0345 266 8974^

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 - SME Bupa select - complete 5 stars 2021 

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.
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What's included in our health insurance cover?

‡‡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.

See PDF How we compare: Small business (PDF 1MB)

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 –
Our entry level for new direct customers1

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

£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.

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 Custom –
Our entry level for new direct customers1

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 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.

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.

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

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.

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.

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