National Farmers' union  logo

Plan ahead with a health partner that understands small businesses. Our health insurance has evolved to meet the changing needs of your team. So they’ll get fast access to treatment and specialist support to help them get back to business as usual faster.


Defaqto - SME Bupa select - complete 5 stars 2023 

As a NFU member, you’ll get 25% discount on small business health insurance

To get a quote call on 0370 845 8458^. We’ll need to confirm you’re an NFU member, so we can apply your discount.

Discount available to NFU members covering a small business (2 - 249 employees) and is applied to the base rate of first year of cover and used to calculate renewal prices of future policy years (subject to other factors). For new small business customers purchasing directly from Bupa only. Discount not available if switching providers. T&Cs apply.

All employees can be covered even if they're not personally an NFU member. At least one employee covered under the business policy must be an NFU member.

Health insurance is often referred to as private medical insurance. It gives you and your staff access to private healthcare for conditions that:

  • are covered by the policy
  • and develop after the policy starts

One of the main benefits of health insurance is fast access to medical treatment, but it can also help businesses attract and retain the best people and boost productivity.

Bupa Select is our health insurance option exclusively for business customers. Choose from three different levels of cover to tailor your policy to your business and your people.

View our Products at a glance (PDF, 0.14MB) to find more information.

Whether it’s supporting your team’s mental and physical health, providing full cancer care as standard, or giving your team 24/7 access to a GP, we’re proud to give you nothing less than health expertise.

Bupa health insurance covers your employees for acute conditions. This means disease, illness or injury that are likely to respond quickly to treatment. The policy covers acute conditions that begin after the policy starts. Pre-existing conditions aren’t usually covered.

Where your team have treatment will vary depending on where they live and the type of treatment they need. This could be in a private hospital, health centre or private section of an NHS hospital.

There are certain conditions and treatments which are not covered as standard within our health insurance policies. For example the long-term treatment and monitoring of chronic conditions or cosmetic surgery.

We’ll also need to know about any pre-existing conditions or symptoms you and your team may have. Pre-existing conditions won’t affect the cost of your policy. However, they may affect what the policy covers.

Our health insurance benefits for your employees

From healthcare round the clock, to access to cutting edge care, we're proud to give you nothing less than health expertise.

Healthy reads

Looking for more health information? Discover the latest articles from our experts on Healthy Me.

^ Lines are open 8am to 5pm Monday to Friday, excluding bank holidays.

Terms and conditions

  1. 1. In these terms and conditions, references to “Bupa” are to Bupa Insurance Limited, which may act through its agent Bupa Insurance Services Limited. References to “NFU” are to the National Farmers Union Trust Company Limited.
  2. 2. This offer is available to UK-based small or medium sized corporate entities (including, for example, companies, partnerships and associations) covering between 2 and 249 employees inclusive, which employ at least one NFU member (the “NFU Client”).
  3. 3. NFU Clients will receive a 25% 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.
  4. 4. The Offer is available to NFU Clients only and is not available for the following:
      a. NFU Clients looking to purchase a new Select Policy for a corporate entity that is switching from another health insurance provider; or.
      b. NFU Clients looking to purchase a new Select Policy for a corporate entity through an intermediary; or
      c. NFU Clients looking to purchase a new Select Policy for a corporate entity that is an existing Bupa client or holds a policy for any Bupa product or    service.
  5. 5. Bupa’s standard Terms of Business and Bupa Select Policy Terms & Conditions will apply.
  6. 6. The discount amount is based on 25% 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.
  7. 7. When calculating Select Policy renewal prices for a Select Policy, Bupa considers additional factors such as (but not limited to) claims history, age of members, the rising costs of healthcare and IPT, which will be factored into each year’s renewal price.
  8. 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. 9. Bupa reserves the right to cancel, suspend, amend or withdraw the Offer at any point without prior notice.
  10. 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.
  11. 11. Bupa will use any personal information in accordance with its privacy notice which can be found at
  12. 12. 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.
  13. 13. These terms & conditions shall be governed by English law and the parties submit to the exclusive jurisdiction of the courts of England and Wales.

‡‡‡ Customers who live on the Isle of Man do not have access to Bupa Blua Health, but can access GP24 provided by HealthHero.

As of March 2024, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa’s Bupa By You, SME Select and Corporate Select health insurance products and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.

See PDF How we compare: Small business (PDF 0.1MB)

†† With Bupa full cancer cover, there are no limits on how long your treatment lasts or how much it costs, for as long as you have Bupa health cover. You must use a hospital or health centre from the Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant).

‡‡ Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.

††† Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover. Please check your guide and certificate for further details or contact us to check your eligibility.

Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by eMed Healthcare UK Limited, registered in England and Wales with number 15086104, Registered Office: 184-192 Drummond Street, London, England, NW1 3HP

Bupa Anytime HealthLine, Bupa Blua Health and Rewards by Bupa are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Everyday Rewards is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Bupa Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ

Rewards by Bupa is promoted by Bupa Investments Limited, 1 Angel Court, London ECR2 7HJ. Terms and conditions can be found at

Bupa Investments Limited will use your information for the purposes of the administration of Rewards by Bupa. For details of how your information will be processed by Bupa, please visit:

Bupa health insurance is provided by Bupa Insurance Limited. 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.

Content is loading