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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Employees at work but unwell: what's the cost to your business?

Have you ever encountered unwell staff coming into work instead of recovering at home? This issue of presenteeism is an increasing problem within small businesses. In a 2017 survey, 86% of respondents said they had witnessed presenteeism in their organisations over the previous 12 months. That’s up from the 2016 figure of 72%.

The stats for leaveism – where employees work when they shouldn’t – also reveal cause for concern. Three-fifths of small businesses report that staff complete work outside of contracted hours and two-fifths use allocated holidays and other time off to cover their illnesses.

The data shows a workforce struggling to find the downtime we all need to maintain our wellbeing. And in small businesses, where teams may be compact, the consequences of poor employee wellbeing can be far-reaching.

False economies

On the face of it, someone working longer hours may not seem like an issue. But the CIPD reports that there are several ways ill people working can end up costing your business. Not only do they run the risk of infecting other members of staff with their illness, they may work less effectively, make more mistakes and ultimately remain unwell for longer.

Similarly, a work environment where staff feel obliged to work out of hours can grind down team morale.

Resetting the scales

Steve Thompson, managing director at Forward Role Recruitment, notes that “57% of employees would stay in their job longer if there was more effort put into looking after their wellbeing,” adding to that the same percentage believe their work quality would improve if more health measures were in place.

Findings by The Rewards & Employee Benefits Association suggest that employers are rolling out wellbeing strategies at a rate never seen before. Over half of respondents (54.8%) have no wellbeing strategy in place, but virtually all of this group plan to implement one in the next few years.

Focus on wellbeing

There are many different measures you can consider taking to start shifting the work-life balance at your business, addressing employee wellbeing and aiming to reduce the effect of illness.

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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