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For Corporates

Bupa strengthens master trust offering

27 February 2026
  • The Bupa Evolve Master Trust delivers cost efficiency whilst maintaining quality and speed of care for your clients.
  • Combines the efficiency of a trust arrangement with the confidence of insurance
  • Gives employees fast access to healthcare through Bupa’s Connected Care pathways

Bupa has launched Bupa Evolve Master Trust, offering employees fast access to healthcare through Bupa’s Connected Care pathways. Designed for businesses with over 300 employees, the model helps manage rising healthcare costs while supporting workforce wellbeing and ensuring seamless access to care.

The Bupa Evolve Master Trust allows businesses to self‑fund healthcare through a master trust structure, supported by stop‑loss insurance protection. Under this model, businesses fund the first 80% of projected annual claims, with stop-loss providing financial protection where claims exceed the trust value. If claims fall below this amount, any remaining surplus can be carried forward and deliver ongoing value.

The trust also offers flexibility and long‑term value, with scheme design tailored to each workforce so your clients can shape a health plan that reflects their priorities and supports cost sustainability.

Unique to Bupa are its Connected Care pathways, designed to deliver faster treatment, better outcomes and a smooth experience from first contact to recovery. This includes GP and digital health services, as well as access to over 100 health clinics and three Bupa‑owned hospitals. Through a combination of Bupa’s own services and trusted clinical partners, employees are guided into managed pathways that support fast treatment starts, cost efficiencies and strong clinical outcomes.

Dan Sullivan, Product and Proposition Director for Bupa UK Insurance, said: “Organisations are under pressure to manage rising healthcare costs whilst also facing demand for health cover within employee benefits to attract and retain talent. To meet this need, and in response to the development of corporate excess products in the market, we have designed a new trust product built around our Connected Care pathways.

“The Bupa Evolve Master Trust offers businesses a smarter way to fund healthcare, improving cost efficiency while protecting the quality and speed of care their people receive.”

Key features include:

  • Connected Care: Bupa delivers its own healthcare services, enabling employees fast access to the treatment they need, supporting recovery and return to work.
  • Open Referral: Employees are guided to clinicians close to where they live or work, with fee‑assured options that help manage costs effectively.
  • Guided Care: Direct access to clinical triage for MSK concerns, mental health needs and symptoms requiring urgent assessment, helping employees reach the right support sooner.
  • Enhanced mental health support: Mental health excess and outpatient waivers apply for remote and face‑to‑face therapies at Bupa Mindplace centres.

Bupa press office contact: [email protected] / 44 (0)20 7833 7040

About Bupa Global, India & UK
Bupa's purpose is helping people live longer, healthier, happier lives and making a better world. Health insurance accounts for a large part of our business with Bupa UK Insurance, the UK’s leading health insurer, providing health and dental cover to over 4.1 million people. Bupa Global is the premium health insurance arm of Bupa, serving 400,000 customers around the world. Niva Bupa is a leading provider of health insurance and retail health insurance in India, with 22.2 million customers. Bupa Dental Care is a leading provider of dentistry in the UK, providing dental services in over 390 centres across the UK and Ireland. Bupa Care Services supports around 7000 residents in over 115 care homes and 10 Richmond care villages. Bupa Health Services incudes over 90 health clinics, New Victoria Hospital, and Cromwell Hospital in London which provides care for insured, self-pay and international patients. We plan to open 70 Mindplace mental health centres by 2027.

To view our privacy notice, please visit bupa.co.uk/privacy

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 3956433. Bupa Insurance Limited is authorised 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 with registration number 3829851. Registered office: 1 Angel Court, London EC2R 7HJ

Bupa health trusts are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority

Bupa health trusts are administered by Bupa Insurance Services Limited. Registered in England and Wales with registration number 3829851. Registered office: 1 Angel Court, London EC2R 7HJ.

© Bupa 2026