Small business Health Insurance

What is Self Employed health insurance?

Self-employed health insurance is a type of health insurance that you can take out to protect your health as a sole trader or freelancer. With this policy, you can avoid long wait times for NHS services, allowing you to get back to work more quickly when you need medical treatment.

You can choose a plan that fits your needs and budget, whether you're just starting out or have been in business for a while. Many insurers offer flexible options for self-employed individuals, so you can find a policy that works for you.

As a self-employed person, you are responsible for paying the premiums, and having health insurance can be seen as a valuable benefit for your overall well-being and productivity.

Benefits of Self Employed Health Insurance

  • Skip NHS Waiting Lists
  • 24/7 GP Service
  • Quality Mental Health Support
  • Reduces Time Off
  • Boosts Earning Potential
  • Tax Deductible Product
  • Other Perks such as Gym Discounts & Health Checks

Compare Quotes From Leading Insurers

Aviva

Information

Originally Norwich Union, Aviva are regarded as being the largest overall insurer in the UK and are an award winning…

AXA Health

Information

AXA PPP Healthcare have been in the market since 1940 and are one of the leading choices for many customers.…

Bupa

Information

Since being established in 1947 BUPA has amassed more than 15 million health insurance customers and is considered as the…

Vitality Health

Information

Rebranded in 2014 they were originally Pru Health. Vitality set itself apart with a unique health rewards scheme which is…

WPA

Information

WPA is a non-profit organisation which means money can be reinvested into the business to create a better customer experience.…

Whats Covered?

Usually as standard

  • Hospital Costs - things like Operations and Surgery
  • Specialist Consultations
  • Private Tests and Scans like MRIs
  • Private Cancer Treatment
  • Private 24/7 GP
  • Perks like Gym Discounts
  • Some Mental Health Cover

Optional

  • Outpatients like Consultations and Tests
  • Therapies such as Physiotherapy and Osteopathy
  • Dental Costs
  • Travel Cover

Exclusions

  • Emergency Care (A&E)
  • Long Term Conditions (chronic)
  • Some Pre-Existing Conditions

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Matched or improved cover

Continued Medical History

Reduced Premiums

Ongoing support

How Much Does it Cost?

Factors Affecting The Cost Include

Number of people covered

Premiums are based on number of insured lives. You may choose to insure your family too.

Members Age

The older you are the more of a risk you are in the eyes of the insurer and so your premiums will be higher.

Your occupation

Some jobs are riskier than others.

How much cover you take

The more comprehensive the cover is the more it will cost.

Your policy excess

As with most insurances, how much you are willing to pay upfront to start a claim can affect the premium.

Your Postcode

Some areas in the UK are more expensive than others as the cost of care in those areas is more expensive.

What users love about our service

  • Free service
  • Access to the best rates on the market
  • Personalised service with a top-rated advisor
  • We're not tied to a single broker or insurer
  • Protected medical history
  • Reduced premiums
  • Ongoing support

What Our Users are saying

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