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 * Small business health insurance

Free Health Plan with Select health insurance*


Get a quote and go ahead with a start date on or before 31 December 2024 and
you’ll get a free Menopause Plan, Period Plan and Men’s Sexual Function Plan
included with first year of cover and available to all main members covered. For
new small business customers who purchase directly from Bupa and are not
switching from another provider.
Call us on 0808 159 4245^ to find out how much you could save. T&Cs apply†

Get a quote
 * 


SMALL BUSINESS HEALTH INSURANCE



Get small business health cover for between 2 and 249 employees.

Get a guide price Help me understand costs






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 * Micro business
 * Small business
 * Health insurance
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 * Resources











YOUR PARTNER FOR BUSINESS HEALTH AND WELLBEING

With us by your side, your people are covered from diagnosis to treatment. No
gimmicks. Just cover you can rely on, chosen by over 39,000 companies. That’s
better for business.

What is small business health insurance?

Health insurance for small business gives your team quick access to GPs and
experts in mental health, cancer and more.

We offer three levels of business medical insurance for teams of less than 250
people. Giving you options to suit your needs and budget.


COMPARE THREE LEVELS OF SMALL BUSINESS HEALTH INSURANCE

With any level of cover, we only cover the cost of treatment if it’s:

 * at a hospital or clinic in your employees’ facility network
 * with a Bupa-recognised consultant who is fee-assured. This means we have
   agreed to pay fees in full


What’s included?

Select Key Our base level of cover

Select Enhanced Extra cover for added reassurance

         Select Complete Our highest level of cover         

Unlimited digital GP appointments









Fast-track help for mental health, cancer and muscle, bone and joint problems









Out-patient allowance



£1000 a year

£1500 a year

Full cover

Scans for diagnosis









Complementary medicine after treatment



Up to £250
from out-patient allowance

Up to £1500
from out-patient allowance

Full cover

Hospital care









Hospital and clinic network



300+ facilities
or Guided Care

300+ facilities
or Guided Care

600+ facilities
or Guided Care

Mental health treatment









Cancer cover









Private ambulances









Day and night nurse advice









NHS cash benefit









Family mental health advice









Menopause advice









What’s included?

Select Key Our base level of cover

Select Enhanced Extra cover for added reassurance

         Select Complete Our highest level of cover         

Unlimited digital GP appointments









Fast-track help for mental health, cancer and muscle, bone and joint problems









Out-patient allowance



£1000 a year

£1500 a year

Full cover

Scans for diagnosis









Complementary medicine after treatment



Up to £250
from out-patient allowance

Up to £1500
from out-patient allowance

Full cover

Hospital care









Hospital and clinic network



300+ facilities
or Guided Care

300+ facilities
or Guided Care

600+ facilities
or Guided Care

Mental health treatment









Cancer cover









Private ambulances









Day and night nurse advice









NHS cash benefit









Family mental health advice









Menopause advice









Select Key Our base level of cover

Unlimited digital GP appointments





Fast-track help for mental health, cancer and muscle, bone and joint problems





Out-patient allowance



£1000 a year

Scans for diagnosis





Complementary medicine after treatment



Up to £250 from out-patient allowance

Hospital care





Hospital and clinic network



300+ facilities or Guided Care

Mental health treatment





Cancer cover





Private ambulances





Day and night nurse advice





NHS cash benefit





Family mental health advice





Menopause advice





Select Enhanced Extra cover for added reassurance

Unlimited digital GP appointments





Fast-track help for mental health, cancer and muscle, bone and joint problems





Out-patient allowance



£1500 a year

Scans for diagnosis





Complementary medicine after treatment



Up to £1500 from out-patient allowance

Hospital care





Hospital and clinic network



300+ facilities or Guided Care

Mental health treatment





Cancer cover





Private ambulances





Day and night nurse advice





NHS cash benefit





Family mental health advice





Menopause advice





         Select Complete Our highest level of cover         

Unlimited digital GP appointments





Fast-track help for mental health, cancer and muscle, bone and joint problems





Out-patient allowance



Full cover

Scans for diagnosis





Complementary medicine after treatment



Full cover

Hospital care





Hospital and clinic network



600+ facilities or Guided Care

Mental health treatment





Cancer cover





Private ambulances





Day and night nurse advice





NHS cash benefit





Family mental health advice





Menopause advice





What’s included?

Select Key Our base level of cover

Select Enhanced Extra cover for added reassurance

         Select Complete Our highest level of cover         

Unlimited digital GP appointments









Fast-track help for mental health, cancer and muscle, bone and joint problems









Out-patient allowance



£1000 a year

£1500 a year

Full cover

Scans for diagnosis









Complementary medicine after treatment



Up to £250 from out-patient allowance

Up to £1500 from out-patient allowance

Full cover

Hospital care









Hospital and clinic network



300+ facilities or Guided Care

300+ facilities or Guided Care

600+ facilities or Guided Care

Mental health treatment









Cancer cover









Private ambulances









Day and night nurse advice









NHS cash benefit









Family mental health advice









Menopause advice









Call us on 0345 266 8974^ to get a quote. Or get an online guide price for our
Select health insurance – Key, Enhanced or Complete.

Get a guide price
 
 
 


WHAT’S INCLUDED WITH SMALL BUSINESS HEALTH INSURANCE?



No matter what level of cover you choose for your people, you can expect these
benefits as standard:


UNLIMITED DIGITAL GP APPOINTMENTS

Let’s cut the queues. With access to our digital GP service, your people can
speak to a GP within 24 hours. Day or night. By video or phone.

More about Bupa Blua Health


MARKET-LEADING MENTAL HEALTH COVER

Whether it’s work-related stress or home pressures, we’re here. We cover more
mental health conditions than any other provider.†† Plus, we’re the only ones
who offer help for addictions.

Mental health cover


FAST-TRACK MUSCLE, BONE AND JOINT HELP

Muscle, bone and joint problems are one of the biggest causes of sick leave. So
your people can call us direct about them.

We’ll check the issue is covered and let them know if they can get treatment
without a GP referral. We’ll explain next steps and could even refer them to a
physio on the call.

Direct Access explained


ACCESS TO BREAKTHROUGH CANCER DRUGS

Our cancer cover can offer some cancer drugs and treatments before they’re
available on the NHS. Helping your people get the medicines they need, faster.
Any drugs or treatments will need to be evidence-based and covered by the
policy.

Cancer cover


PRIVATE TREATMENT AT HOSPITALS AND CLINICS

Time with consultants. Tests and scans for diagnosis, such as blood tests and
X-rays. Day treatment, including physio. Overnight stays.

Each employee gets an allowance to spend on hospital and clinical care. That
amount depends on what level insurance you choose.

Types of treatment


HELPLINES FOR EVERY HOUR OF THE DAY

Team members can speak to nurses 24/7. Or a menopause-trained nurse, always on
hand to guide and advise. All year long.

Worried parents and carers can call our Family Mental HealthLine six days a
week, 8am to 6pm.

Wellbeing helplines


HEALTH AND HR SUPPORT FOR YOU

Navigate your employer responsibilities confidently with Growth+. You’ll get
support from a dedicated Health and Wellbeing Consultant. Plus, access to handy
HR health and wellbeing policy templates.

Explore Growth+


DIGITAL JOURNEY FOR MANAGING TREATMENT

With My Bupa, employees can request treatment, find out what they are covered
for and stay on top of claims. Less admin for you, empowerment for your people.

My Bupa


WHAT’S NOT COVERED ON ANY LEVEL OF COVER?

 * Life events like pregnancy, menopause or ageing
 * Allergies and food intolerances
 * Conditions employees had before your business health insurance started
   We also call these pre-existing conditions. Your employees’ policy usually
   won’t cover injuries or conditions they’ve had before their cover starts.
   
   For example, if someone had a knee injury in March, and you took out health
   cover in June, the new policy wouldn’t cover this injury. They also couldn’t
   claim for any tests or treatment related to the knee injury. This is because
   their symptoms began before your people had cover.
 * Ongoing health issues with no known cure
   We also call these chronic conditions. Diabetes and asthma are examples of
   ongoing health issues with no known cure. Your employee's policy usually
   won’t cover treatment related to ongoing or chronic issues.
   
   There are some exceptions. Bupa may cover ongoing care for mental health or
   cancer. Even if there is no cure.

There are other exceptions to the rules that might apply to your business. So,
if you have a question, it’s worth getting in touch.


HOW MUCH DOES SMALL BUSINESS HEALTH INSURANCE COST?


PRICE EXAMPLES


EXAMPLE FOR 5 EMPLOYEES



Example criteria

 * Ages 21, 28, 46, 46 and 51
 * Based in Shrewsbury
 * Social care business
 * £0 excess, per person per policy year
 * Full medical underwriting – no pre-existing conditions
 * Paid for monthly – you may be able to save 2.5% if you pay yearly

Example costs


Level 1 Custom - From £31.56 per month, per person or £1,893.36 per year for
five people.

Level 2 Key - From £35.04 per month, per person or £2,102.52 per year for five
people.

Level 3 Enhanced - From £39.86 per month, per person or £2,391.72 per year for
five people.

Level 4 Complete - From £45.81 per month, per person or £2,748.72 per year for
five people.


EXAMPLE FOR 20 EMPLOYEES



Example criteria

 * Average age 37 years old
 * Based in Exeter
 * Software development business
 * £100 excess, per person per policy year
 * Full medical underwriting – no pre-existing conditions
 * Paid for monthly – you may be able to save 2.5% if you pay yearly

Example costs


Level 1 Custom – From £27.65 per month, per person or £6,635.16 per year for 20
people.

Level 2 Key – From £30.72 per month, per person or £7,373.52 per year for 20
people.

Level 3 Enhanced – From £34.92 per month, per person or £8,381.76 per year for
20 people.

Level 4 Complete – From £38.34 per month, per person or £9,201.36 per year for
20 people.


EXAMPLE FOR 115 EMPLOYEES



Example criteria

 * Average age 33.5 years old
 * Based in London
 * Data management business
 * £0 excess, per person per policy year
 * Full medical underwriting – no pre-existing conditions
 * Paid for yearly - saving 2.5% in monthly surcharges

Example costs


Level 1 Custom – From £24.77 per month, per person or £36,971.27 per year for
115 people.

Level 2 Key – From £28.73 per month, per person or £39,647.77 per year for 115
people.

Level 3 Enhanced – From £32.70 per month, per person or £45,097.99 per year for
115 people.

Level 4 Complete – From £36.14 per month, per person or £49,886.12 per year for
115 people.


HOW CAN I CHANGE MY SMALL BUSINESS HEALTH INSURANCE COVER OR COST?


EMPLOYEE-PAID EXCESS

Choose whether employees pay nothing or an excess of £100, £150, £200 or £500
per policy year to help bring your business’ cost down.


OUT-PATIENT ALLOWANCE

This is how much can be spent on eligible hospital and clinical appointments.
Our levels of cover come with a £500, £1,000 or £1,500 allowance, or no limit.


PRE-EXISTING CONDITIONS

If you have over 15 people, you can choose to cover conditions they had before
your policy starts. Just choose medical history disregarded underwriting.


LEVEL OF FACILITY ACCESS

Give your employees a choice of 300 or 600+ hospitals and clinics whenever they
need treatment.


PARTNER OR FAMILY COVER

If you’d like to offer cover for your employees’ partners or children, you can
do this for an additional cost per person.


PAYMENT METHOD

Choose monthly, quarterly, bi-annually or yearly. If you’re incorporated, there
could be a surcharge of up to 2.5% unless you pay yearly.


HOW CAN I GET A HEALTH INSURANCE QUOTE FOR MY BUSINESS?


FILL IN YOUR DETAILS FOR A GUIDE PRICE

We’ll show you guide prices for Key, Enhanced and Complete – that’s levels 2 to
4 – so you can compare cover and cost.


Get an online guide price


CALL US FOR A MORE ACCURATE QUOTE

We calculate your price based on lots of factors. Talk to us about options and
we can provide tailored quotes for all cover levels.


0345 266 8974^

Looking to switch to Bupa from another health provider?

Speak to our team on 0808 149 6263. They’ll talk you through how to switch to
Bupa without your team having a break in cover. Lines are open 8.30am to 6pm
Monday to Friday, excluding bank holidays.
Request a callback


SEAMLESS ACCESS TO CARE FOR YOUR PEOPLE



We’re the only insurer with our own hospital and national network of health
centres. Plus, the most connections to independent healthcare providers.

Smoother processes. Better health outcomes. We call this ConnectedCare.


SIMPLER ROUTE TO TREATMENT

With our own digital GP app, network of specialists and health centres, we can
refer with ease, saving your people time.


BIGGER CHOICE OF SPECIALISTS

Our large network of Bupa and independent specialists gives your people more
options close to home.


MORE EFFICIENT CARE AND RECOVERY

With the option of our own specialists and facilities, we can get your people to
the right treatment option sooner.


IMPORTANT DOCUMENTS



Read through our policy documents for a full understanding of how our small
business health insurance works.



Select Health Insurance at a glance (PDF, 0.2MB)

Select Health Insurance policy guide (PDF, 0.5MB)


LOOKING FOR MORE BUSINESS HEALTH BENEFITS?


DENTAL INSURANCE

Check-ups. Cleans. X-rays. Fillings.

Help employees protect their oral health without struggling to see a dentist.


HEALTH ASSESSMENTS

Health tests. Time with experts.

Let our experts help employees reduce potential future heath risks.


EMPLOYEE ASSISTANCE PROGRAMMES

Counselling around the clock.

Because a listening ear and some practical advice can improve wellbeing.




 

More wellbeing services

More on dental insurance

 

^ Lines are open 8.30am to 6pm Monday to Friday, excluding bank holidays.

†† 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, 0.2MB)

See PDF How we compare: Corporate business (PDF, 1MB)

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 health insurance and dental insurance are 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.

Bupa Anytime HealthLine, Menopause HealthLine, Family Mental HealthLine, Bupa
health assessments and EAP programmes are not regulated by the Financial Conduct
Authority or the Prudential Regulation Authority.

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

Bupa health assessments and EAP programmes are provided by Bupa Occupational
Health Limited. Registered in England and Wales No.631336. Registered office: 1
Angel Court, London EC2R 7HJ.

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