Provider comparison

Bupa vs Medicash

Side-by-side comparison from the PerkIQ directory. Cover, pricing, regulator status, and fit at a glance.

Bupa

Health & InsurancePrivate MedicalFCA-regulated

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Medicash

Health & InsuranceCash Plan

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Category

Health & Insurance

Health & Insurance

Best for

5-50,000+ employees

10-2,000 employees

Pricing model

Per employee / month

£4-£15 per employee / month

UK presence

Since 1947

Since 1871

Regulator

FCA-authorised

FCA-authorised

Strapline

The UK's largest private medical insurance provider. Bupa offers comprehensive corporate health cover with broad consultant networks and a strong GP service, used by employers from 5 to 50,000+ employees.

Medicash is one of the UK's longest-established cash plan providers, reimbursing employees for everyday healthcare costs like dental, optical, physio, and GP services. Cheaper than PMI, popular for broader staff coverage.

What's included

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.

Cash plan reimbursement. Employees pay for everyday healthcare (dentist, optician, physio, prescriptions) and claim back fixed amounts up to annual limits.
mProve virtual GP. Round-the-clock video GP appointments, included in most plans, no extra premium.
Mental health support. Counselling and structured therapy sessions, with self-referral and short waiting times.
Not-for-profit mutual. Surpluses are reinvested into member services rather than paid out as shareholder dividends.

Who it's for

No fit notes published.

No fit notes published.

Pricing approach

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.

No pricing notes published.

At a glance

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

FCA authorised & regulated
Not-for-profit mutual
UK head office, Liverpool
Founded 1871
Broad-staff coverage focus
Available direct or broker

Pick the right one with data, not a sales pitch

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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.

Bupa vs Medicash | PerkIQ Provider Comparison | PerkIQ