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.
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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.
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
- Mental health
- Dental treatment
- Optical appointments and prescription glasses
- Alternative therapies such as acupuncture and chiropractic
- Virtual GP
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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