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Health insurance
for self-employed

Q: Can I claim health insurance if I'm self-employed?

Yes, self-employed individuals can and should claim health insurance to protect their health and financial well-being.

Q: What insurance should a self-employed person have?

At a minimum, consider personal health insurance, income protection, and critical illness cover. Depending on your circumstances, you may also benefit from life insurance and specific covers like private medical insurance, which offers quick access to private healthcare facilities and treatments.

Q: Can I claim benefits if I am self-employed?

Yes, self-employed individuals in the UK can claim certain benefits, depending on their circumstances. While statutory sick pay may not be available, other forms of support, such as Universal Credit or Employment and Support Allowance, might be accessible if you meet the eligibility criteria.

Q: Is private health insurance worth it in the UK?

For many self-employed individuals, private health insurance is worth considering. It offers benefits such as reduced waiting times, access to private medical facilities, and flexible scheduling of treatments around your work. This can be particularly valuable for self-employed people who rely on their ability to work to generate income.

Q: Does self-employed health insurance cover sick days?

No, self-employed health insurance typically does not cover income loss resulting from illness or injury. For this purpose, you would need a separate income protection policy, which ensures financial support during periods of incapacity to work due to health reasons.

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How does private health insurance work?

Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.

Getting Referred

If you have a health issue, see your GP and let them know that you have private insurance. They may refer you to a specialist, and you might choose to go to private hospitals or specialists not offered by the NHS.

Informing Your Insurer

Tell your insurer that you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim will be approved.

Cost Coverage

Your GP will book your appointment, and your insurer will cover the cost as long as your policy is active. Depending on your policy, you may be required to pay an excess.

In today's world, being self-employed offers unprecedented freedom and flexibility, but it also comes with certain risks, especially when it comes to healthcare. Health insurance for self-employed individuals in the UK is not just a peace of mind guarantee; it's an essential part of your financial planning. HealthInsurance247, a leading business health insurance through broker in London, UK, understands the unique needs of the self-employed and is dedicated to comparing quotes from all leading insurers to provide you with the best and most affordable health insurance options.

What is self-employed health insurance?

Self-employed health insurance, a form of private medical insurance, offers quick access to medical treatment, protecting both you and your business. It ensures you can avoid lengthy NHS waiting lists, providing peace of mind and timely care when you need it most.

Protect yourself from unexpected expenses

For many self-employed, taking time off work due to illness can significantly impact their income. With the right health insurance plan, you can ensure quick access to private healthcare, allowing you to get treated quickly and minimize the time you're away from work. This not only helps in maintaining your income but also ensures peace of mind knowing that your health is in good hands.

Custom offers for the self-employed

We understand that the needs of the self-employed vary greatly. That's why we offer flexible cover options that allow you to build a health insurance plan that works for you. Whether you need coverage for serious illness, routine pregnancy, or outpatient treatments, we can help you compare prices and find a plan that suits your requirements.

What are the benefits of health insurance for the self-employed?

Securing self-employed health insurance in the UK brings numerous advantages, especially considering the strain on the NHS due to budget constraints and the ongoing pandemic. By investing in health insurance for the self-employed, you get:

No NHS waiting lists

No lengthy waits for treatments and consultations, ensuring prompt access to healthcare services.

Control over treatment

Take charge of your healthcare decisions, tailoring treatments to your specific needs and preferences.

Access to private facilities

Enjoy the comfort and efficiency of private healthcare facilities, offering a superior experience compared to NHS settings.

Advanced therapies

Access cutting-edge treatments and therapies not always available through the NHS, enhancing your healthcare options.

Full cancer care coverage

Gain comprehensive coverage for cancer care, providing reassurance and support during challenging times.

Additional options

Consider extra features to boost your health insurance cover, such as access to physiotherapy, mental health support, or alternative therapies. Some providers include these as standard, while others offer them at discounted rates.

What do I need to get a health insurance quote?

With prolonged waiting periods on the NHS, many choose private family health insurance to take control of their family's well-being.

Personal details

Tell us about your habits, medical history, and any ongoing health conditions. This allows us to tailor your policy to meet your specific needs. If you plan to include family members, let us know, and we’ll find the best cover for everyone.

Your policy preferences

Think about the type of cover that suits you. Do you need access to private hospitals, faster GP appointments, or specialised treatments? Choose the level of protection you feel comfortable with, and we’ll recommend policies that match your preferences.

We will browse the market

We search the top UK health insurance providers for you, comparing policies that fit your budget and requirements. You’ll receive clear and affordable options, allowing you to make an informed choice for your healthcare.

What does self-employed health insurance cover?

Self-employed health insurance provides coverage for a range of medical needs, offering peace of mind and security for individuals managing their own businesses. Here's what you can typically expect from a self-employed health insurance policy:

Cover Acute Conditions	Coverage for sudden and severe illnesses or injuries that require immediate medical attention, ensuring prompt access to medical treatment without delays.
Inpatient Care	Hospitalization expenses are often covered, including accommodation, nursing care, and surgical procedures, allowing for fast access to comprehensive care during extended stays.
Outpatient Care	Consultations, diagnostic tests, and treatments received outside a hospital setting are typically covered, enabling timely access to medical services without the need for admission.
Cancer Care	Comprehensive coverage for cancer treatment, including chemotherapy, radiotherapy, and surgical interventions, ensuring access to advanced therapies and support throughout the treatment journey.

Understanding what your self-employed health insurance covers and any exclusions is crucial for making informed decisions about your healthcare needs. Partnering with a knowledgeable broker can help you navigate the options and find the right policy to suit your requirements.

Are there any exclusions on self-employed health insurance policy?

When considering self-employed health insurance policies, it's essential to be aware of potential exclusions. Common exclusions may include:

GP visits: Routine visits to your general practitioner may not be covered.
A&E treatment: Emergency room visits might not be included in your policy.
Sports injuries: Injuries sustained during sports activities may be excluded.
Transplants: Coverage for transplant procedures may be limited or excluded.
Pregnancy: Maternity care might not be covered under certain policies.
Blindness/Deafness: Conditions related to blindness or deafness may not be included.
HIV/AIDS: Treatment for HIV/AIDS might be excluded from coverage.

Understanding these exclusions can help you make informed decisions when selecting a health insurance policy tailored to your needs.

Is self-employed health insurance tax deductible?

In the UK, self-employed health insurance can sometimes be considered a business expense, potentially making it tax-deductible. This can reduce your overall cost of insurance, making it an even more attractive option and personal benefit for those running their own business.

How much does self-employed health insurance cost?

The cost of self-employed health insurance varies depending on several factors. These include:

Level of coverage: The extent of coverage chosen greatly influences the premium.
Age: Younger individuals typically pay lower premiums compared to older individuals.
Lifestyle factors: Smoking, exercise habits, and overall lifestyle choices can impact the cost.
Medical history: Pre-existing medical conditions may result in higher premiums.
Location: The area in which you reside can affect the cost due to differences in healthcare costs and availability.

Considering these factors helps determine the most suitable and affordable health insurance plan for your needs.

What should I look for in self-employed health insurance?

When getting health insurance as a self-employed, compare quotes carefully. Keep these key factors in mind:

Private hospitals

Choose a policy that gives you access to private hospitals near your home or loved ones, so you can decide where to receive care.

Level of cover

Tailor your policy to your needs. Pick from three affordable cover levels that align with your financial plan.

Types of underwriting

Decide how your medical history will be reviewed. Moratorium underwriting excludes pre-existing conditions for a set period, while full medical underwriting offers a thorough assessment.

Exclusions

Check the exclusions carefully. Make sure the policy doesn’t limit or exclude essential outpatient treatments, so you have the cover you need.

Cost

Balance the cost with your budget. Premiums tend to rise with age, so factor in potential increases when making your choice.

Deferred period

Be aware of any deferred periods, such as the first three months when claims aren’t accepted. Always review the terms to avoid surprises.

Tips for self-employed health insurance applicants from HealthInsurance247

When applying for health insurance, consider factors like the level of coverage you need, any pre-existing conditions, and the type of benefits that are most important to you. HealthInsurance247 can help guide you through these considerations, ensuring you find a policy that meets your needs.

Assess your health needs

Consider your current health status, medical history, and potential future health needs. This will help you determine the level of coverage you require, from basic to comprehensive plans.

Budget wisely

While it's crucial to have adequate coverage, choosing a plan that fits your budget is also important. Consider the premiums, deductibles, co-payments, and out-of-pocket maximums to find a balance between cost and coverage.

Compare plans thoroughly

Don't settle for the first option you come across. Use comparison tools or consult with a broker like HealthInsurance247 to compare different plans and insurers. Pay attention to the fine print, including coverage exclusions and limitations.

Consider additional benefits

Some plans offer extra benefits like dental and vision coverage, mental health services, or wellness programs. Determine which additional benefits are important to you and consider them in your decision.

Understand the network

Check the network of healthcare providers associated with the insurance plans you're considering. Ensure that your preferred doctors and hospitals are included to avoid higher out-of-network charges.

Plan for the future

Your health insurance needs might change over time, especially as your self-employed business evolves. Choose a flexible plan that can adapt to your changing needs, allowing for easy adjustments to your coverage.

FAQ

Can I claim health insurance if I'm self-employed?

What insurance should a self-employed person have?

Can I claim benefits if I am self-employed?

Is private health insurance worth it in the UK?

Does self-employed health insurance cover sick days?

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