Provider comparison

Medicash vs Bupa

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

Medicash

Health & InsuranceCash Plan

Visit website See full profile →

Bupa

Health & InsurancePrivate MedicalFCA-regulated

Visit website See full profile →

Category

Health & Insurance

Health & Insurance

Best for

10-2,000 employees

5-50,000+ employees

Pricing model

£4-£15 per employee / month

Per employee / month

UK presence

Since 1871

Since 1947

Regulator

FCA-authorised

FCA-authorised

Strapline

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.

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.

What's included

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.

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.

Who it's for

No fit notes published.

No fit notes published.

Pricing approach

No pricing notes published.

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.

At a glance

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

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.

Score your benefits Browse providers

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.

Medicash vs Bupa | PerkIQ Provider Comparison | PerkIQ