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Self Employed Health Insurance

When you’re self-employed, private medical insurance is more than just peace of mind – it can be an invaluable part of careful financial planning.

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Leaving your company scheme?

You can usually continue your health cover without losing the benefits that are important to you. Call us today to discuss your options. 0800 999 2013*

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What are the benefits of self-employed health insurance?

Starting up your own business can bring many challenges, but one of the biggest threats is poor health. Here are some things that could have an impact on your health while being self-employed:

You are not entitled to sick pay

One of the main disadvantages of being self-employed is not getting any employee benefits including Statutory Sick Pay. That’s why, when you become ill, it’s particularly important to get well as quickly as possible to minimise the disturbance in your business. Private medical insurance for the self-employed can help to minimise loss of profit as you have access to healthcare when you need it most.

You will often find yourself working very long hours in a day

When you run your own business, you are committing a lot of time to your work and this can take a toll on your physical and mental health. But with an appropriate health insurance plan in place, you can get your personal healthcare needs covered with financial support.

Your business depends on your ability to go to work

Being your own boss means you can’t rely on someone else to continue your work when you become sick. Fast recovery is essential and long waiting lists for medical treatment are not an option. This is where private treatment can be a more effective option.

Your finances can be unpredictable

When you start your own business, your income can be unpredictable and unforeseeable costs can be a burden. A good private medical insurance cover can safeguard your finances against expensive private medical bills.

Cover your health and protect your business

Freedom Health Insurance has years of experience in offering private medical insurance plans for individuals that would also suit the healthcare and business needs of the self-employed without stretching their budget. Find the right cover for you now and get a quick quote online.

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Why Choose Freedom Health Insurance

We are committed to helping you look after your small business through a health insurance policy that you can rely on when the unexpected happens.

No Location-Based Pricing

No Location-Based Pricing

Most insurers charge you more if you live in or around major cities like London. We don’t price you based on postcode.

6% Discount for Annual Payment

6% Discount for Annual Payment

Reduce your costs even more: pay your private medical insurance premium for the year and we will discount it by 6%.

No Price Increase for Claiming

No Price Increase for Claiming

We are committed to protecting your budget, so we don’t usually increase your premium at renewal because you’ve made any claims.

2-Year Fixed Premium

2-Year Fixed Premium

You are guaranteed to pay the same price after your first renewal with our UK personal health plans, even when claims are made. Ts&Cs apply†.

What’s covered?

Depending on the policy you choose, you and your family can get covered for:

  • Private medical treatment for unexpected acute illnesses or injuries
  • Hospital accommodation in private rooms
  • Cash benefit for using the NHS
  • Dental surgery, cancer cover and private road ambulance with Freedom Elite
  • Your choice of hospital and consultant in the UK or abroad with Freedom Essentials
  • International healthcare and repatriation benefits with Freedom Worldwide

Get in touch with us today to discuss health insurance options for the self-employed.

Thinking about getting private health insurance? Get your no-obligation, free online quote now in less than 30 seconds.

Self-employed Health Insurance FAQs

What is self-employed health insurance?

Self-employed health insurance is a type of business health insurance plan which is designed to cover an independent worker who must pay for the costs relating to their own employee benefits. Private health insurance for self-employed people can cover you for things like private medical treatment, hospital accommodation and dental surgery, depending on the policy you choose.

How do self-employed people get health insurance?

Getting private health insurance for self-employed people is easy here at Freedom Health Insurance. Simply visit our quote page and provide us with a few personal details. We’ll then send you a quote to relevant policies and you can decide whether to purchase a plan. If you have any questions about our self-employed health insurance, please feel free to contact us and a member of our team will be happy to help.

How can health insurance help me?

Getting self-employed health insurance cover provides a financial safety net in case you develop an unexpected illness or injury. Private medical insurance is particularly beneficial when you are self-employed and need to return to work as soon as possible, helping you skip the usual long NHS waiting lists. However, if you prefer to be treated under the NHS, you can usually receive a cash benefit for this. Get a health insurance quote now to see how much you could pay.

How much is health insurance for the self-employed?

How much self-employed medical insurance costs will depend on the type of policy you choose and the level of cover you require. You can get a quote for self-employed medical insurance here.

Can I cover my partner and dependents?

Yes, with every Freedom Health Insurance product you have the option to add your partner and/or your children to your cover. Because we want to help you control your costs, with our UK plans you only pay for the first child and get free cover for any additional children.

Do I need health insurance if I am self-employed?

Whilst you aren’t required to have self-employed private health insurance, it is worth considering. As an independent worker, you won’t have an employer who you can depend on to provide sickness cover. Private medical insurance for self-employed people is therefore a way of protecting yourself and your business.

Can I still use the NHS to get medical treatment?

Yes, private health insurance is not a replacement for the NHS, it complements it by giving you more freedom in choosing how, when and where you get treated without having to worry about expensive hospital bills or long waiting lists. Furthermore, both our UK plans offer cash benefits if you prefer to get treated by the NHS.

Find out more about NHS vs Private healthcare.

How does private health insurance work?

If you or a member of your family who is covered under your self-employed health insurance plan falls ill, you should first visit your GP. Your GP may then refer you to a specialist for a diagnosis or further treatment if necessary. This is when you will need to contact your private healthcare provider to make a claim for medical treatment you receive.

Does self-employed health insurance cover sick days?

Private health insurance is not designed to cover income loss. There are other types of insurance products that can do this if you're unable to work due to sickness. A health insurance plan is designed to help you pay for the cost of medical treatment for unexpected and unforeseen acute conditions.

What is not covered under health insurance?

The list of exclusions applied to your self-employed medical insurance policy depends on your cover and underwriting method. Please check your policy documents to learn your specific exclusion. As a rule of thumb, there are several things that are not usually covered under any health insurance plan which include but are not limited to: accident and emergency treatment, conditions you had before you joined us (known as pre-existing conditions), chronic conditions, cosmetic treatment, pregnancy and childbirth.

Do you cover pre-existing conditions?

Pre-existing conditions (including symptoms that you had before you joined us) are not normally covered under any health insurance policy. Depending on your underwriting method, some pre-existing conditions may be covered in the future if you had no symptoms, treatment, medication or consultations in the first 2 years of your policy. Please contact us for more details.

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†2-year fixed premium terms and conditions