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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 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 who receive a quote for a Select Policy between 2 January 2024 and 29 February 2024 inclusive. Quotes are valid for 28 days and the Select Policy must have a start date between 2 January 2024 and 29 February 2024 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 applied to the first year of cover only.
  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.
  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 is only available for new Eligible SME clients for whom a quote is provided for a Select Policy on or before 31 March 2024. Quotes are valid for 28 days and the Select Policy must have a start date on or before 31 March 2024. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  13. 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.
  14. The Fixed Rate offer is only applicable to the base rate of the Select Policy and does not include or take into consideration any fixed discounted rates, including but not limited to, the 20% discount available under this Offer.
  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 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.
  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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