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Promotion terms and conditions

Read our full T&Cs to help you understand this offer.


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 can receive two months free (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 only available to new clients who are UK-registered small or medium sized corporate entities (including, for example, companies, partnerships and associations) covering between 2 and 249 employees and new to Bupa (“Eligible SME Clients”);
  4. To get the Offer, Eligible SME Clients must:
    • a. purchase a new Select Policy directly from Bupa;
    • receive a quote for and start a Select Policy between 1 June 2026 and 31 July 2026. Quotes are valid for 28 days and are subject to Bupa’s standard Terms of Business and the Bupa Select Policy Terms & Conditions;
    • c. pay by monthly Direct Debit.
  5. The 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.
  6. The Offer provides a reduced premium on the Select Policy for the first year of cover only (the “Offer Period”) and will be applied during months 11 and 12 of the contract. This discount does not protect against any increases in Insurance Premium Tax (“IPT”) at the first renewal. Any changes made to the Select Policy during the Offer Period may also affect the premium at renewal. 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. Eligible SME Clients may not be able to amend benefit options of the Select Policy, such as Facility Access and Out-patient limits, at their first renewal after selecting the Offer.
  8. When calculating renewal prices for a Select Policy after the Offer 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 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 rate of the Select Policy for 2 years subject to separate terms and conditions.
  12. 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.
  13. The Fixed Rate offer is only available for new Eligible SME clients for whom a quote is provided for a Select Policy on or before 30 June 2026. Quotes are valid for 28 days and the Select Policy must have a start date on or before 30 June 2026. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  14. The Fixed Rate Offer guarantees the rate 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 rate 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.
  15. 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.
  16. 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.
  17. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
  18. To the fullest extent permitted by law, Bupa and its group companies shall not be liable to any Eligible SME Clients or any of its employees for any claims, damages or any other losses whatsoever under or in connection with the operation of the Offer.
  19. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales
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