Self Employed Contractor

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Self-employed health insurance

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The Exeter
As a self-employed person you are your own employer! Missing out on work due to sickness or accident are things that you have to try to avoid as much as possible, after all, your finances are very closely tied to the amount of work you can do.

NHS waiting list’s for diagnostics and treatment have never been longer. With Private Health insurance you’ll be back to work faster. It gives you quick access to health care specialists and treatment.

Healthplan are here to provide simple, affordable health insurance for the self-employed. These plans allow you to bypass excessive waiting lists and access private treatment so you can get back to work quickly. We can offer tailored quotations to include different levels of benefits to meet your requirements and budget. We can also include your family on the policy so you can all benefit from Private Medical Insurance.

Why should I consider health insurance if I am Self-employed?

Although the NHS does an excellent job and is a well-loved national institution, it is under pressure due to budget constraints, the recent pandemic and rising healthcare needs. Over 15% or approximately 4.86 million of the working population in the UK are self-employed. Despite this, it is projected that 93% of these people do not have healthcare insurance. Private Medical Insurance means that:

  • Wait times will be dramatically reduced. The average wait time for an NHS referral is in excess of 18 weeks, In fact, in January 2023 figures show that there were over 7 million individuals on NHS waiting lists in England of which approximately 3 million had been waiting for more than 18 weeks.
  • You can control your treatment and get problems diagnosed and treated quickly.
  • You will have access to private health facilities such as a private room with phone, TV and flexible visiting hours.
  • Treatment at a time that is convenient to you in your choice of hospital or clinic.
  • There’s a chance you’ll have access to more advanced therapies and drugs that aren’t accessible on the NHS.
  • Full cover for cancer care

How much does self-employed health insurance cost?

The monthly premium for self-employed health insurance varies according to the plan you select.

Health insurance costs

Insurer Monthly costs*
The Exeter £31
Vitality Health £38
Bupa £41
Axa £43
Aviva £46

*All quotations above are based on a 35 Year old with a postcode of DT2 quoted with a start date of the 1st February 2023. These quotations are based on the base cover – In-Patient & Day-Patient treatment with no additional options, £100 Excess and the Guided Hospital Option.

It is important to note that premiums will depend on a variety of factors, including but not restricted to the following:

  • Age: The older the individual the higher the premium required
  • Dependants: You can add your partner and children to a self-employed PMI policy.
  • Location: The address or area you live in can affect your premium.
  • Smoking: Some insurers charge more for smokers.

Self-employed health insurance coverage

You have a choice of benefits and cover options with self-employed health insurance. You can tailor a policy to suit your requirements and budget. To reduce premiums, you may wish just to cover in-patient, day-case treatment and out-patient scans, or you may prefer to have the peace of mind from a fully comprehensive policy knowing that all inpatient, outpatient, diagnostics, cancer and virtual GP appointments are covered in full. Peace of mind when you’re poorly!

A health cash policy is alternative option. This might include routine appointments to the dentist, optician, or physiotherapist.

What are the benefits of having private health insurance when you’re self-employed?

When you’re self-employed, you can’t take advantage of some of the benefits that employees receive. If you do not have income and disability insurance, you must rely on statutory sick pay (SSP) and savings to cover your wages if you become unwell and are unable to work. Often this means that there is pressure to return to work immediately in order to avoid losing more income. This is why self-employed health insurance is a great option as you will have fast access to diagnostics, control of your treatment and privacy.

Is self-employed health insurance tax deductible?

Because health insurance is regarded as a personal benefit for sole traders, you can’t generally claim it as a business expense. However please take advice from your accountant.

What to consider if you are applying for personal health insurance for the self-employed

Private health insurance is an intelligent benefit for the self-employed, but there are some points to consider before taking out a policy:

  • Make sure the premiums are affordable. If you are off work the premiums still need to be paid!
  • You are not covered for sick days. Its not going to pay your wages but it will help you get back to work quickly.
  • Use a broker such as Healthplan to find the right policy for you.