What is small business health insurance?

Small business health insurance is cover that offers your employees private healthcare. To be eligible, your business must have less than 249 employees.

Choose from four levels of insurance to find the one that suits your business needs. Whichever policy you decide on, your employees healthcare costs will be covered. This begins at diagnosis and runs right through to treatment.

Business health looks after your employees, while they’re looking after the day-to-day.

What are the benefits of small business health insurance?

When you take out small business insurance, you and your employees experience great benefits as standard.

   Improved employee productivity

   Reduced workplace absence

   Attract and retain valued employees

   Access expert help to build your wellbeing strategy

With Bupa looking after your employees, you can look after your business.

Call us on 0808 274 1080^ or request a callback.



Defaqto - SME Bupa select - complete 5 stars 2023 

What’s included in our small business health insurance?

From a network of hospitals to cancer and mental health cover, our small business health insurance benefits stack up.

Have more than 50 employees?

Whether you’re a team of 2 or 200, we’re here for you.

If you’re looking to insure more than 50 employees, please contact us to receive your guide price.

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
Entry level for new direct customers††

Select Key
Our base level

Select Enhanced
For extra reassurance

Select Complete
Our highest level of cover

Facility access  Question mark

300+ partnership facilities or Guided Care

300+ partnership facilities or Guided Care

300+ partnership facilities or Guided Care

600+ participating facilities or Guided Care

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 out-patient limit

Up to £250 from out-patient limit

Up to £1,500 per year from out-patient limit

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  Question mark

Paid in full

Paid in full

Paid in full

Paid in full

Mental health in-patient and day-patient treatment  Question mark

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Virtual GP appointments with Blua Health  Question mark

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NHS cash benefit  Question mark

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Excess options

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

Key benefits

Select Custom
Entry level for new direct customers††

Select Key
Our base level

Select Enhanced
For extra reassurance

Select Complete
Our highest level of cover

Facility access  Question mark

300+ partnership facilities or Guided Care

300+ partnership facilities or Guided Care

300+ partnership facilities or Guided Care

600+ participating facilities or Guided Care

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 out-patient limit

Up to £250 from out-patient limit

Up to £1,500 per year from out-patient limit

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  Question mark

Paid in full

Paid in full

Paid in full

Paid in full

Mental health in-patient and day-patient treatment  Question mark

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Virtual GP appointments with Blua Health  Question mark

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tick icon

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NHS cash benefit  Question mark

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tick icon

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Excess options

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

£0, £100, £150, £200 or £500

Call us on 0345 266 8974^ to get a quote. Or get an online guide price for our Select health insurance – Key, Enhanced or Complete.

Useful documents

Practical resources from leading healthcare experts

Award-winning resources delivered by healthcare and business experts.

Workplace Health and Wellbeing Academy for Small Businesses

Watch our virtual events where our panel of experts discuss health and wellbeing issues – specifically for small businesses.

Get a small business health insurance quote

Call us or request a callback to get a quote for small business health insurance. Alternatively, get a guide price by answering a few questions.

^ Lines are open Monday to Friday 8.30am to 6pm. We may record or monitor calls.

Full 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 a 20% discount (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 members inclusive (“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 between 1 August 2023 and 30 September 2023 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 1 August 2023 and 30 September 2023 inclusive. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.

6. The discount amount is based on 20% of the total annual subscription amount of the Select Policy net of Insurance Premium Tax (“IPT”). The discounted subscription amount will be stated in the quote provided and shall be used as the base price for renewals in subsequent years.

7. When calculating renewal prices for a Select Policy, 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.

8. 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.

9. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.

10. The Offer is non-exchangeable, non-transferable, has no cash value/alternative and cannot be used in conjunction with any other promotions or offers except for Bupa’s free 2-year Fixed Rate offer (the “Fixed Rate Offer”) which allows new SME clients to fix the price of the Select Policy for 2 years subject to separate terms and conditions, and Bupa’s free WorkNest offer (the “Growth+ Offer”) subject to additional terms and conditions.

11. The Fixed Rate Offer 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.

12. The Fixed Rate Offer 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 Members on 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.

13. Please note, you may not be able to amend the benefit options of the Select Policy at your first renewal when choosing the Fixed Rate Offer. Examples of benefit options include (but are not limited to) facility access, out-patient limits and levels of excess.

14. When calculating renewal prices for a Select Policy after the Fixed Rate Offer has ended, 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.

15. 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.

16. Eligible clients for the WorkNest Offer will receive access to WorkNest’s HR support service for SMEs 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.

17. 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.

18. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy

19. 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.

20. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

Discount applied to first year of cover and used to calculate renewal prices of subsequent policy years (subject to other factors). For new small business customers who purchase directly from Bupa and do not hold an existing health insurance policy. Offer ends 30 September 2023. T&Cs apply.

Bupa Anytime HealthLine and Bupa Blua Health are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by Babylon Healthcare Services Limited, registered in England and Wales with number 09229684, registered office: 1 Knightsbridge Green, London SW1X 7QA. 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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