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Free Health Assessments with small business health insurance

Get a quote and go ahead with a start date on or before 30 April 2024 and you'll get a free health assessment for every employee covered up to a maximum of ten. Ensure peace of mind by retaining top talent, ready to propel your business forward. For new small business customers who purchase directly from Bupa and are not switching from another provider.

Call us on 0345 266 8974^ to to find out how much you could save. T&Cs apply

Your partner for business health and wellbeing

With us by your side, your people are covered from diagnosis to treatment. No gimmicks. Just cover you can rely on, chosen by over 39,000 companies. That’s better for business.

What is small business health insurance?

Health insurance for small business gives your team quick access to GPs and experts in mental health, cancer and more.

We offer four levels of business medical insurance for teams of less than 250 people. Giving you options to suit your needs and budget.

Compare four levels of small business health insurance

With any level of cover, we only cover the cost of treatment if it’s:

  • at a hospital or clinic in your employees’ facility network
  • with a Bupa-recognised consultant who is fee-assured. This means we have agreed to pay fees in full

What’s included?

Select Custom Our level 1 option

Select Key Our level 2 option

Select Enhanced Our level 3 option

         Select Complete Our level 4 option         

Unlimited digital GP appointments  Question mark

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Fast-track help for mental health, cancer and muscle, bone and joint problems  Question mark

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Out-patient allowance  Question mark

£500 a year

£1000 a year

£1500 a year

Full cover

Scans for diagnosis  Question mark

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Complementary medicine after treatment  Question mark

Up to £250
from out-patient allowance

Up to £250
from out-patient allowance

Up to £1500
from out-patient allowance

Full cover

Hospital care  Question mark

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Hospital and clinic network  Question mark

300+ facilities
or Guided Care

300+ facilities
or Guided Care

300+ facilities
or Guided Care

600+ facilities
or Guided Care

Mental health treatment  Question mark

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Cancer cover  Question mark

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Private ambulances  Question mark

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Day and night nurse advice  Question mark

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NHS cash benefit  Question mark

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Family mental health advice  Question mark

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Menopause advice  Question mark

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What’s included?

Select Custom Our level 1 option

Select Key Our level 2 option

Select Enhanced Our level 3 option

         Select Complete Our level 4 option         

Unlimited digital GP appointments  Question mark

tick icon

tick icon

tick icon

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Fast-track help for mental health, cancer and muscle, bone and joint problems  Question mark

tick icon

tick icon

tick icon

tick icon

Out-patient allowance  Question mark

£500 a year

£1000 a year

£1500 a year

Full cover

Scans for diagnosis  Question mark

tick icon

tick icon

tick icon

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Complementary medicine after treatment  Question mark

Up to £250
from out-patient allowance

Up to £250
from out-patient allowance

Up to £1500
from out-patient allowance

Full cover

Hospital care  Question mark

tick icon

tick icon

tick icon

tick icon

Hospital and clinic network  Question mark

300+ facilities
or Guided Care

300+ facilities
or Guided Care

300+ facilities
or Guided Care

600+ facilities
or Guided Care

Mental health treatment  Question mark

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tick icon

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Cancer cover  Question mark

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Private ambulances  Question mark

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Day and night nurse advice  Question mark

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NHS cash benefit  Question mark

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Family mental health advice  Question mark

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Menopause advice  Question mark

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Defaqto - SME Bupa select - complete 5 stars 2023 
 

What’s included with small business health insurance?

No matter what level of cover you choose for your people, you can expect these benefits as standard:

How much does small business health insurance cost?

Example criteria

  • Ages 21, 28, 46, 46 and 51
  • Based in Shrewsbury
  • Social care business
  • £0 excess, per person per policy year
  • Full medical underwriting – no pre-existing conditions
  • Paid for monthly – you may be able to save 2.5% if you pay yearly

Example costs


Level 1 Custom - From £31.56 per month, per person or £1,893.36 per year for five people.

Level 2 Key - From £35.04 per month, per person or £2,102.52 per year for five people.

Level 3 Enhanced - From £39.86 per month, per person or £2,391.72 per year for five people.

Level 4 Complete - From £45.81 per month, per person or £2,748.72 per year for five people.

Example criteria

  • Average age 37 years old
  • Based in Exeter
  • Software development business
  • £100 excess, per person per policy year
  • Full medical underwriting – no pre-existing conditions
  • Paid for monthly – you may be able to save 2.5% if you pay yearly

Example costs


Level 1 Custom – From £27.65 per month, per person or £6,635.16 per year for 20 people.

Level 2 Key – From £30.72 per month, per person or £7,373.52 per year for 20 people.

Level 3 Enhanced – From £34.92 per month, per person or £8,381.76 per year for 20 people.

Level 4 Complete – From £38.34 per month, per person or £9,201.36 per year for 20 people.

Example criteria

  • Average age 33.5 years old
  • Based in London
  • Data management business
  • £0 excess, per person per policy year
  • Full medical underwriting – no pre-existing conditions
  • Paid for yearly - saving 2.5% in monthly surcharges

Example costs


Level 1 Custom – From £24.77 per month, per person or £36,971.27 per year for 115 people.

Level 2 Key – From £28.73 per month, per person or £39,647.77 per year for 115 people.

Level 3 Enhanced – From £32.70 per month, per person or £45,097.99 per year for 115 people.

Level 4 Complete – From £36.14 per month, per person or £49,886.12 per year for 115 people.

We can fix the price you pay for two years

Plan ahead with our price guarantee. If this is your first business health insurance policy and you’re buying directly from us, we’ll keep your costs the same for two years. No changes to cover, no changes to price. Call us on 0808 120 5098^ to find out more. T&Cs apply.

How can I change my small business health insurance cover or cost?

How can I get a health insurance quote for my business?

Looking to switch to Bupa from another health provider?

Speak to our team on 0808 149 6263. They’ll talk you through how to switch to Bupa without your team having a break in cover. Lines are open 8.30am to 6pm Monday to Friday, excluding bank holidays.

Seamless access to care for your people

We’re the only insurer with our own hospital and national network of health centres. Plus, the most connections to independent healthcare providers.

Smoother processes. Better health outcomes. We call this ConnectedCare.

Important documents

Read through our policy documents for a full understanding of how our small business health insurance works.

Looking for more business health benefits?

^Lines are open 8.30am to 6pm Monday to Friday, excluding bank holidays.

††As of September 2023, 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 0.2MB)

See PDF How we compare: Corporate business (PDF 0.1MB)

Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by eMed Healthcare UK Limited, registered in England and Wales with number 15086104, Registered Office: 184-192 Drummond Street, London, England, NW1 3HP

Bupa health insurance and dental insurance are 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 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 No. 3829851. Registered office: 1 Angel Court, London EC2R 7HJ.

Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa health assessments and EAP programmes are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Bupa Anytime HealthLine, Menopause HealthLine and Family Mental HealthLine are provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ

Bupa health assessments and EAP programmes are provided by Bupa Occupational Health Limited. Registered in England and Wales No.631336. Registered office: 1 Angel Court, London EC2R 7HJ.

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