Provider comparison
Aviva Health vs Bupa
Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.
- Group PMI. Inpatient and outpatient cover with flexible excess and hospital list options. Cancer care included as standard on all plans.
- Digital GP. Video GP appointments available seven days a week, included on most corporate plans, with prescription and onward referral.
- Mental health support. Access to talking therapies and a mental health helpline. Some plans include structured CBT sessions.
- Bundled group risk. Combine PMI with Aviva group life, income protection, or critical illness for consolidated admin and potential premium discounts.
- Flexible underwriting. Moratorium and medical history disregarded (MHD) underwriting options available, suited to new and transferring schemes.
- Comprehensive PMI. In-patient, day-patient, and outpatient cover with flexible tiering. Choose from open-referral, guided, or directional schemes.
- Bupa Anywhere GP. Virtual GP service with 15-minute appointments, prescriptions, and onward referral, included in most schemes.
- Mental health support. Direct-access talking therapies, no GP referral required. Up to 28 sessions on most corporate plans.
- Bupa-owned clinics. Members get priority access to Bupa Cromwell Hospital, Bupa Dental Care, and Bupa Health Clinics across the UK.
- Employers wanting a recognised brand: Aviva is one of the UK's most trusted financial names and well understood by employees.
- Businesses already using Aviva pension or group risk: bundling often unlocks discounts and simplifies renewal.
- SMEs wanting competitive mid-market PMI: Aviva is typically priced competitively for straightforward inpatient-focused cover.
- Employers prioritising the deepest mental health cover: Bupa and Vitality tend to offer more sessions and direct-access pathways.
- Businesses wanting a rewards or engagement programme: Aviva PMI is coverage-focused rather than behaviour-incentive-led.
- Employers wanting a recognised PMI brand: Bupa's scale, consultant networks and own clinics suit companies competing on health benefits.
- Workforces that value fast treatment access: broad hospital lists, a virtual GP and direct-access mental health support reduce reliance on NHS waiting lists.
- Mid-sized to large employers (50+): flexible tiering and broker-negotiated renewals work best at scale.
- Pure cost-led buyers: premiums sit at the fuller end of the market, so a cash plan may give broader coverage per pound.
- Small teams wanting whole-workforce cover: acute PMI is pricier per head than a cash plan for everyday costs.
Aviva prices group PMI per employee per month, based on age profile, cover tier, selected excess, and hospital list. Typical SME premiums range from approximately £25 to £90 per employee per month for standard inpatient cover.
Bundling with Aviva group risk products can reduce overall cost. Schemes are generally placed via a broker; direct schemes are available but less common.
Indicative range based on UK market data; obtain a formal quote via Aviva or an FCA-authorised broker.
Bupa prices corporate PMI per-employee-per-month, varying by cover tier, age profile, sector, and excess. Typical UK SME premiums range £30-£100 per employee per month for standard cover.
Available direct or through a broker. Brokers often negotiate sharper renewal terms for mid-market schemes (250+ lives).
Indicative range; obtain a quote via Bupa or an FCA-authorised broker.
- FCA authorised & regulated
- FTSE 100 listed
- 16m+ UK customers
- Group risk bundling available
- Broker channel preferred
- Cancer care standard on all plans
- FCA authorised & regulated
- UK's largest PMI provider by member count
- No shareholders (company limited by guarantee)
- 2.3m+ UK members
- Direct & broker channels
- Own clinics and dental practices
Pick the right one with data, not a sales pitch
Score your benefits stack with PerkIQ and you'll see which of these (or another provider entirely) closes the biggest gaps for your team.
Information on this page is editorial, gathered from public sources and the providers' own materials, and does not constitute financial advice or a recommendation. For a quote, contact each provider directly or speak to an FCA-authorised broker. PerkIQ is not a reseller and earns no commission on provider sign-ups.
