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

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
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* |
Select Key |
Select Enhanced |
Select Complete |
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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 |
Up to £250 |
£1,500 per year |
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 mental-health-in-patient-and-day-patient-treatment2 |
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Digital GP in partnership with Babylon digital-gp-in-partnership-with-babylon |
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NHS cash benefit nhs-cash-benefit |
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Excess options |
Up to £500 |
Up to £500 |
Up to £500 |
Up to £500 |
Key benefits |
Select Custom* |
Select Key |
Select Enhanced |
Select Complete |
---|---|---|---|---|
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 |
Up to £250 |
£1,500 per year |
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 mental-health-in-patient-and-day-patient-treatment2 |
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|
Digital GP in partnership with Babylon digital-gp-in-partnership-with-babylon |
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NHS cash benefit nhs-cash-benefit |
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Excess options |
Up to £500 |
Up to £500 |
Up to £500 |
Up to £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.
*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.
††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.
An overview of small 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.
^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
- 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 2-years fixed price at no additional cost (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 registered small or medium sized corporate entities (including, for example, companies, partnerships and associations) covering between 2 and 249 employees (“SMEs”) who purchase a new Select Policy directly from Bupa.
- 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. - Quotes are valid for 28 days and Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
- The fixed price option guarantees the price of the Select Policy for 2 years (the “Fixed Period”). 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 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 and dependents from the Select Policy, babies covered on a complimentary basis becoming paid-for child dependents at the first renewal, and child-dependents reaching the age of 24 during the first year of cover who would then be required to pay the adult rate in the second year of cover.
- You may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the fixed price option.
- When calculating renewal prices for a Select Policy after the Fixed Period, 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 but can be used in conjunction with other promotions or offers.
- 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.