self employed health insurance

Self Employed Health Insurance

When you are self employed, you are your business and your health becomes one of your most precious assets. Protect your health and your finances with health insurance for self employed business owners.

Protect your business with private medical insurance

Private medical insurance is available regardless of your employment status and whilst there is no specific ‘self employed medical insurance’ plan available, we can help you get an individual medical insurance policy whether you are a contractor, a freelancer or a sole trader.

How to get a free health insurance quote


Step 1 – Get in touch

Fill in the quote form and we’ll contact you soon. We will then talk through your requirements and needs, both personal and business wise.


Step 2 – We do the hard work for you

We will search for the right cover while also providing specialist advice and answering your questions. With most health insurance companies, you can also add your family to your policy.


Step 3 – Receive your quote

You receive a tailored health insurance quote based on your previously discussed requirements and we are available for any further specialist advice.

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.

Comprehensive market comparison

UK Health Insurance has access all major UK health insurance providers.

Personal and expert support

You can get answers to your health insurance questions in plain, simple language.

Take the right decision

Find the right health cover based on your healthcare needs and requirements.

Independent and trustworthy advice

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.

Don’t just take our word for it…

man with question mark

What is self employed health insurance?

Having 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. Private medical insurance can help you and your business by giving you quick access to reliable healthcare when you need it most, without the worry of costly private hospital bills.

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.

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.

medical cover

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

Why get self employed health insurance?

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

hospital bed

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

More self employed health insurance FAQs

How much does health insurance for self employed 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, request a quote and we will get in touch with a free, no-obligation quote.

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 (e.g. 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.

Get a free self employed health insurance quote

Things always get done quicker over the phone, so why not complete our quick Request a Callback form and we will give you a call with a free, no-obligation quote when you are available.

Want a full bespoke quote?

Use the Get a Full Quote button to enter more detailed information for a bespoke health insurance quote. Our health insurance team will then be in touch shortly to discuss your options.

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