Private medical insurance

Employees on grade C and above are eligible to apply for private medical insurance with Bupa.

Joining the scheme

Download and complete the application form (DOC, 76.5KB) and email it to HRNotifications@essex.gov.uk. You will be notified when your membership has been set up and Bupa will send you a pack and a membership guide.

2024/25 membership costs

There are several levels of cover to choose from. Only family membership will incur a monthly cost to you. However, as health care is a taxable benefit there are tax implications to all levels of cover. Your following year’s tax code will be adjusted to take this taxable benefit value into account.

Under 65

Level of cover	Who is covered	Taxable benefit value per annum (year)	Cost to employee
Single	The employee	£1,469.52	N/A
Couple	The employee and their partner	£2,939.04	N/A
Family	The employee, partner and their children	£3,673.80	£61.23
Single Parent	The employee and their children	£2,204.28	N/A

Over 65

Level of cover	Who is covered	Taxable benefit value	Cost to employee
Single	The employee	£3,526.84	N/A
Couple	The employee and their partner	£7,053.69	N/A
Family	The employee, partner and their children	£7,053.69	£0.00
Single Parent	The employee and their children	£7,053.69	N/A

There is no limit on how many of your children can be covered by either the single parent family or family cover.

The dependent child age limit with Bupa is 24. Child dependents are removed at the renewal date following their 24th birthday.

Read Bupa's guide (PDF, 327KB) for more information on the scheme.

Amending your cover

If you would like to amend your level of cover, please email HRNotifications@essex.gov.uk

Contact Bupa

You can contact Bupa by calling their helpline on 0345 6090444

Last published date: 17 June 2024

Next review date: 10 November 2024

JCAD core system downtime