20% off small business health insurance

Start your cover on or before 28 Feb 2020 and get 20% off your base rate which is used to calculate future renewal prices. New small business customers only who purchase direct from Bupa. T&Cs apply .
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Micro-businesses: switching off the ‘always on’ culture

Running a micro-business can be stressful. With the responsibility of securing work, making decisions and chasing payments – over half of business owners noted they are worried about their irregular income – there’s a lot of pressure to deal with. Add to that the impact of being constantly connected via technology and the fact that 87% of employees report problems with switching off outside of work.

This ‘always on’ culture is a recipe for poor wellbeing, which may manifest in to physical and mental health problems.

At Bupa, we believe it’s important to have an open dialogue with businesses to ensure employee wellbeing is understood and well-managed. So, we’ve spoken to micro-businesses to get their thoughts on the ‘always on’ culture and its impact on productivity.

Everyday pressures

According to recent research, over 30% of small business owners take under five days leave annually. Even more worryingly, 21% take none at all. And even those who do go away are likely to answer work emails and calls, with 85% stating they do this.

With so little space to relax, everyday pressures can easily build up, risking always being stressed or fuelling mental health problems that require treatment and time off. Figures from the Office for National Statistics make it clear that stress and mental health problems are among the top reasons for taking sick leave – an alarming 15.8 million working days are lost to these problems annually.

Poor mental wellbeing can in turn make it easier for physical health conditions to take hold, as exercise and self-care get neglected.

Long-term thinking

When you have a small team, wellbeing concerns have a major impact – especially if they affect the boss. Being in charge of all the major decisions can make you doubly reluctant to take time off – even when you really need to.

In reality, the consequences of being ‘always on’ and connected when you are stressed, depressed or physically unwell can have long-term impacts on both your health and your company’s productivity.

Taking care of yourself and ensuring you’re socially, as well as professionally, fulfilled can lead to a happier, healthier, more productive workplace for all.

Take the strain off

Pressure is always going to be high when you’re the one in charge. But there are tactics you can employ to ease the situation and lift your sense of wellbeing.

Bupa cares

You don’t have to deal with the worrying issue of employee wellbeing alone. Bupa’s extensive team of medical professionals are here to help, with services that approach wellbeing from every angle.

If you’re looking to help your team find the right work-life balance, we can help you tackle presenteeism and leaveism in the workplace with a wide range of support and tools. It only takes a few minutes to get a guide price online.


Get a guide price

Find out more about our health and wellbeing cover for your employees

Please note: Existing in-patient, out-patient and day case benefit limits and exclusions for pre-existing conditions still apply to our cover for mental health conditions.

Bupa Anytime HealthLine 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 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.

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 registered small or medium sized corporate entities with between 2 and 249 employees (“SMEs”) who purchase a new Select Policy directly from Bupa for their employees.
4. The Offer is available to new SME clients, [including those switching from an alternative company health insurance provider], and is not available for the following
    a. SME clients who purchase their Select Policy through an intermediary; or
    b. existing Bupa clients who hold a policy for any Bupa product or service for the benefit of their employees; or existing SME clients who hold a PMI policy with Bupa for the benefit of their employees
5. The Offer is only available for new or switching SME clients for whom a quote is provided for a Select Policy between 6 January 2020 and 28 February 2020 inclusive. Quotes are valid for 28 days and the Select Policy must start between 6 January 2020 and 28 February 2020 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. Please note that when calculating renewal prices, Bupa also considers additional factors including (but not limited to) claims history, age of members, the rising cost of healthcare and IPT, which will be factored in to each year’s renewal subscription.
7. 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.
8. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
9. The Offer is non-exchangeable, non-transferable, has no cash value/alternative and cannot be used in conjunction with any other promotions or offers.
10. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy
11. 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.
12. 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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