Small business health insurance
Protect your people with health insurance for between 2 and 249 employees.
What is small business health insurance?
With health insurance for small business owners, you can support your team with their health and wellbeing, and keep them at their best.
A business healthcare plan for small business gives your team quick access to GPs and experts in mental health, cancer and more.
We offer three levels of business medical insurance for teams of 2 to 249 people, giving you options to suit your needs and budget.
What are the benefits of small business health insurance?
Market-leading mental health cover†
We cover more mental health conditions than any other provider. Plus, we’re the only ones who offer help for addictions.
Fast-track muscle, bone and joint help
Muscle, bone and joint problems are one of the biggest causes of sick leave. We’ll check the issue is covered and let your people know if they can get treatment.
Access to support helplines
Team members can speak to nurses through our Anytime HealthLine. They can also access support for menopause and our Family Mental HealthLine.
Access to breakthrough cancer drugs
Our cancer cover can offer some cancer drugs and treatments before they’re available on the NHS†††.
Unlimited digital GP appointments††
With access to Blua in the My Bupa app, your people can speak to a GP by video or phone.
Private treatment at hospitals and clinics
Your people are covered for consultations with specialists, as well as outpatient scans and tests to help with diagnosis.
How can I customise my small business health insurance cover?
Employee-paid excess
Choose whether employees pay nothing each policy year. Or, to help bring your business’ cost down, they can pay a £100, £150, £200 or £500 excess.
Levels of cover
Choose from three different levels of cover: Key, Enhanced and Complete. The outpatient allowances and facility access choices are different for each level.
Types of underwriting
Choose how Bupa assess the risk of insuring employees by choosing an underwriting method. If you switch to Bupa, other methods may be available.
Level of facility access
This can be 300+ partnership facilities or 600+ participating facilities depending on your cover level. Or get access to all 600+ with our Guided Care option.
Partner or family cover
If you’d like to offer cover for your employees’ partners or children, you can do this for an additional cost per person.
Payment method
Pay monthly, quarterly, bi-annually or yearly. Incorporated businesses may face a surcharge of up to 2.5% unless paying yearly.
Why choose Bupa for your business?
Smoother processes. Better health outcomes. We call this ConnectedCare.
We’re the only insurer with our own hospital and national network of health centres. Plus, the most connections to independent healthcare providers.
Cost-efficient
Combining cover and care helps us tailor treatment to your people, so you only spend where it matters.
Joined-up care
We link Bupa insurance and healthcare providers, helping your people get their health worries sorted quicker.
Extensive cover
Award winning insurance. We cover more mental health conditions than any other leading insurer†.
Health insurance options for small businesses
We offer three levels of business medical insurance for teams of less than 250 people, giving you options to suit your needs and budget.
|
Benefits |
Key Our base level of cover |
Enhanced Extra cover for added reassurance |
Complete Our highest level of cover |
|---|---|---|---|
|
|
over 300 partnership facilities nationwide or Guided Care |
over 300 partnership facilities nationwide or Guided Care |
over 600 participating facilities nationwide or Guided Care |
|
|
£1,000 each year |
£1,500 each year |
Paid in full |
|
|
Up to £250 from outpatient allowance above |
Up to £1,500 from outpatient allowance above |
Paid in full |
|
|
Paid in full |
Paid in full |
Paid in full |
|
|
Paid in full |
Paid in full |
Paid in full |
|
|
Paid in full |
Paid in full |
Paid in full |
|
|
£100 each day or night of treatment |
£100 each day or night of treatment |
£100 each day or night of treatment |
|
|
Paid in full up to 45 days each year |
Paid in full up to 45 days each year |
Paid in full up to 45 days each year |
|
|
Unlimited |
Unlimited |
Unlimited |
|
|
Unlimited |
Unlimited |
Unlimited |
|
|
Unlimited |
Unlimited |
Unlimited |
|
|
Included |
Included |
Included |
|
|
£2,000 each year |
£2,000 each year |
£2,000 each year |
|
|
Up to £80 each trip |
Up to £80 each trip |
Up to £80 each trip |
|
|
£50 a night up to 35 nights each year |
£50 a night up to 35 nights each year |
£50 a night up to 35 nights each year |
Facility access
Key Our base level of cover
over 300 partnership facilities nationwide or Guided Care
Enhanced Extra cover for added reassurance
over 300 partnership facilities nationwide or Guided Care
Complete Our highest level of cover
over 600 participating facilities nationwide or Guided Care
Outpatient consultations therapies, and diagnostic tests
Key Our base level of cover
£1,000 each year
Enhanced Extra cover for added reassurance
£1,500 each year
Complete Our highest level of cover
Paid in full
Outpatient complementary medicine
Key Our base level of cover
Up to £250 from outpatient allowance above
Enhanced Extra cover for added reassurance
Up to £1,500 from outpatient allowance above
Complete Our highest level of cover
Paid in full
Outpatient MRI, CT, and PET scans
Key Our base level of cover
Paid in full
Enhanced Extra cover for added reassurance
Paid in full
Complete Our highest level of cover
Paid in full
Consultant fees for hospital treatment and facility charges
Key Our base level of cover
Paid in full
Enhanced Extra cover for added reassurance
Paid in full
Complete Our highest level of cover
Paid in full
Cancer treatment
Key Our base level of cover
Paid in full
Enhanced Extra cover for added reassurance
Paid in full
Complete Our highest level of cover
Paid in full
NHS cash benefit for cancer treatment
Key Our base level of cover
£100 each day or night of treatment
Enhanced Extra cover for added reassurance
£100 each day or night of treatment
Complete Our highest level of cover
£100 each day or night of treatment
Mental health day patient and inpatient treatment
Key Our base level of cover
Paid in full up to 45 days each year
Enhanced Extra cover for added reassurance
Paid in full up to 45 days each year
Complete Our highest level of cover
Paid in full up to 45 days each year
Digital GP appointments (through Blua)†
Key Our base level of cover
Unlimited
Enhanced Extra cover for added reassurance
Unlimited
Complete Our highest level of cover
Unlimited
Bupa Anytime HealthLine
Key Our base level of cover
Unlimited
Enhanced Extra cover for added reassurance
Unlimited
Complete Our highest level of cover
Unlimited
Menopause HealthLine
Key Our base level of cover
Unlimited
Enhanced Extra cover for added reassurance
Unlimited
Complete Our highest level of cover
Unlimited
Direct Access‡
Key Our base level of cover
Included
Enhanced Extra cover for added reassurance
Included
Complete Our highest level of cover
Included
Home nursing
Key Our base level of cover
£2,000 each year
Enhanced Extra cover for added reassurance
£2,000 each year
Complete Our highest level of cover
£2,000 each year
Private ambulance cover
Key Our base level of cover
Up to £80 each trip
Enhanced Extra cover for added reassurance
Up to £80 each trip
Complete Our highest level of cover
Up to £80 each trip
NHS cash benefit
Key Our base level of cover
£50 a night up to 35 nights each year
Enhanced Extra cover for added reassurance
£50 a night up to 35 nights each year
Complete Our highest level of cover
£50 a night up to 35 nights each year
The above benefit allowances apply if treatment is:
- at a hospital or clinic in the facility network that applies to your cover
- and with a Bupa fee-assured consultant, if the Guided Care option has not been selected
- or with a Bupa fee-assured consultant in our list of Open Referral network consultants, if the guided care option has been selected
†Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover. Please check your guide and certificate for further details or contact us to check your eligibility.
Digital GP Services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Get a quote today
Get a quick guide price to see if Bupa health insurance could be for you. Or if you’re ready, get a complete quote and buy online today.
Call us for more information
Talk through your options with us on 0345 600 3476.
Lines open Monday to Friday 8am to 8pm, and Saturday 8am to 4pm. We may record or monitor phone calls
What’s not included on any level of cover?
These are some of the exclusions that apply. For the full list of exclusions, please refer to the Policy Guide.
Accident and emergency treatment
Any treatment as a result of a visit to accident and emergency.
Chronic conditions
These are ongoing health issues with no known cure. For example, asthma or diabetes.
Overseas treatment
We only cover treatment by Bupa-recognised providers in the U.K.
Pre-existing conditions
Screening, monitoring and preventative treatment
This includes screening for diseases and ongoing care monitoring a condition.
Unrecognised professionals, hospitals and clinics
The healthcare provider visited must be Bupa-recognised.
Important documents
Read through our policy documents for a full understanding of how our small business health insurance works.
Select Health Insurance product details
Select Health Insurance policy guide
How else can I support my employees?
Select a product or combination to create a healthcare package that works for you.
Dental insurance
Separate to our health insurance, you can cover your people’s teeth and gums with reliable dental insurance.
Wellbeing services
Health assessments, employee assistance programmes (EAP), flu vaccines and more.
†As of March 2026, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa’s Bupa By You, SME Select and Corporate Select health insurance products 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.
††Some corporate schemes don't include access to digital GP, so please check your scheme documents or give us a call.
†††Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.
Digital GP Services are not regulated by Financial Conduct Authority or Prudential Regulation Authority.
Price Beater Guarantee available to small business health insurance customers switching to Bupa from another provider. Eligible customers must purchase directly from Bupa and must provide full policy information to qualify. Terms and conditions apply.
^We may record or monitor phone calls. Lines are open 8.30am to 6pm Monday to Friday, excluding bank holidays.
See PDF How we compare: Small business (PDF 1.3MB).
The My Bupa App is provided by Bupa Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales at 1 Angel Court, London, EC2R 7HJ. Its company number is 3829851. VAT Registration Number: 239731641.
Bupa health insurance and dental insurance are provided by Bupa Insurance Limited. Registered in England and Wales with registration number 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with registration number 3829851. Registered office: 1 Angel Court, London EC2R 7HJ.
Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa health assessments, EAP programmes and Bupa Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa health assessments, EAP programmes and Bupa Digital GP are provided by Bupa Occupational Health Limited. Registered in England and Wales with registration number 631336. Registered office: 1 Angel Court, London EC2R 7HJ.
