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^†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 2-years fixed rate 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 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.
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. Quotes are valid for 28 days and Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
6. The fixed rate 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.
7. You may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the fixed rate option.
8. When calculating renewal prices for a Select Policy after the Fixed Rate 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 and cannot be used in conjunction with other promotions or offers except for Bupa’s free HR support offer provided by WorkNest (the “WorkNest Offer”).
12. The WorkNest Offer is not available for the following:
• a. SME clients who are covering more than 25 members on their Select Policy; or
• b. SME clients who are switching from an alternative company health insurance provider; or
• c. SME clients who purchase their Select Policy through an intermediary; or
• d. existing Bupa clients who hold a policy for any Bupa product or service.
13. Eligible clients will receive access to WorkNest’s HR support service for SME’s during the first year of cover when purchasing a new Select Policy. The WorkNest Offer cannot be used against any other Bupa product or service. This service is provided by WorkNest Limited.
14. The WorkNest Offer is only available for new Eligible SME clients for whom a quote is provided for a Select Policy between 3 January 2023 and 29 December 2023 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 3 January 2023 and 29 December 2023 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
15. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
16. 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.
17. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.