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Self-Employed Health Insurance

Compare self-employed health insurance quotes and get expert advice

Private Medical Insurance For Self-Employed PeopleHaving your own business can be very rewarding, but it can also bring many challenges such as not getting any employee benefits, including statutory sick pay. When you become ill, it is particularly important to get well as quickly as possible to minimise the disturbance on your business. This is where health insurance can help, by giving you quick access to reliable healthcare when you need it most, without the worry of costly private hospital bills.

Private medical insurance is available regardless of your employment status and whilst there is no specific ‘self-employed health insurance’ plan available, we can help you get an individual medical insurance policy whether you are a contractor, a freelancer or a sole trader. As an independent health insurance broker, UK Health Insurance can compare the market for you and help you find the right cover for your health needs.

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What is health insurance for the self-employed?

Health insurance or private medical insurance covers the cost of private medical treatment for illness and acute conditions that arise after the start of your policy. This is even more important for a self-employed person, as it allows you to get back to health and return to work quickly, protecting your health and your business.

Why get health insurance if you are self-employed?

If you are self-employed, private medical insurance is more than just peace of mind – it can be an invaluable part of careful financial planning. Here are some of the benefits of private health insurance:

  • Short waiting times when you need medical treatment.
  • Access to comfortable medical facilities.
  • Convenience to arrange appointments around your own time.
  • More control when it comes to choosing your consultant and hospital.
  • Access to drugs and treatments not yet available through the NHS.
  • Private medical bills paid directly by the health insurance company.
  • Benefits that can help you manage your day-to-day health such as Virtual GP and mental health support.
  • Cover for you and your family.

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What does health insurance for the self-employed cover?

A basic health insurance plan usually covers the costs of inpatient treatment including cancer cover. Additional benefits that can be added include:

  • Outpatient treatment
  • Physiotherapy
  • Mental health
  • Dental treatment
  • Optical appointments and prescription glasses
  • Alternative therapies such as acupuncture and chiropractic
  • Virtual GP

How to choose the right health insurance cover

Comparing the health insurance plans available on the market can be a daunting and often time-consuming process which has an even greater impact on your life when you are self-employed, but there is a better way.

A private medical insurance broker can do all the hard work for you by searching for cover while also providing specialist advice and answering your questions. With most health insurance companies, you can also add your family (partner and children) to your policy, so that both you and your loved ones are protected.

Why choose UK Health Insurance

UK Health Insurance is an independent health insurance broker regulated by the FCA who can help you find the right healthcare protection for both your personal and professional needs. With us, you can:

  • Access all major UK health insurance providers.
  • Get answers to your health insurance questions in plain, simple language.
  • Find the right health cover based on your healthcare needs and requirements.
  • Get free, unbiased health insurance advice from a friendly team of insurance experts - our service is provided free of charge, and should you purchase your plan through us, your premium will be the same as going to the insurer directly.
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Self-employed health insurance FAQs

How much does self-employed health insurance cost?

The cost of health insurance for the self-employed depends on several factors including your age, the level of cover and the benefits you want to add to your plan. Should you wish to include additional family members this will also have an impact on the premium. To find out exactly how much a health insurance policy would cost, get in touch for a free, no-obligation quote today.

Who is eligible for health insurance?

Eligibility varies between insurers however typically individuals over the age of 18 can apply regardless of their employment status.

Are there any limitations to what is covered by self-employed health insurance?

Every health insurance policy has limitation and exclusions to its cover. These can vary depending on your plan and provider, but there are some standard exclusions that most policies have, including:

  • Pre-existing medical conditions
  • Chronic illnesses
  • A&E treatment
  • Injuries related to high-risk activities including and not limited to your area of business (i.e. construction worker)

What other types of health protection should I consider as a self-employed?

As well as health insurance, there are other ways to protect your health and even your business when you are self-employed. Call us today to talk about income protection, critical illness cover or life insurance.

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Get in touch

Are you self-employed and looking for private medical insurance cover? Contact us today for a free health insurance quote and receive expert advice that’s tailored to your professional and personal needs.

01202 756 352*

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