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Select health insurance. Price fixed for 2 years
Two-year fixed price included at no additional cost with small business health insurance. Available for new small business customers who purchase directly from Bupa and are not switching from another provider. T&Cs apply
Call us to find out how much you could save 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

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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 business health insurance cover?

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 three different levels of cover with our small health insurance plans, helping you to choose the option that best suits your business needs.

‡‡As of August 2021, 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)

Our small business health insurance cover options for new direct customers1

Bupa Select has four levels of medical insurance cover to choose from as well as a wide range of employee benefits:

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

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

The main exclusions from our insurance policy for small business’ 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

The main exclusions from our insurance policy for small business’ 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.

The main exclusions from our insurance policy for small business’ 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.

The main exclusions from our insurance policy for small business’ 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.

The main exclusions from our insurance policy for small business’ 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.

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 the 2 years fixed price option 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.
  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 employees (“SMEs”) who purchase a new Select Policy directly from Bupa for their employees.
  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 for the benefit of their employees.
  5. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  6. The fixed price option 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 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.
  7. 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 option.
  8. When calculating renewal prices for a Select Policy after the 2-year 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.
  9. 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.
  10. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
  11. The Offer is non-exchangeable, non-transferable, has no cash value/alternative but can be used in conjunction with other promotions or offers.
  12. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
  13. 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.
  14. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

^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.

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