Health Insurance for the Self-Employed

When you transition from an employee to self-employed, you lose the safety net of employee benefits. Private health insurance is one such benefit that you’re not able to take advantage of, unless you take out your own private health insurance.

If you don’t have health insurance, the pressure of getting better when you’re ill can add a substantial amount of stress and negatively impact both your recovery, and your business. You may be subject to lengthy wait times if you rely on the NHS, costing you precious time and money.

What is Health Insurance for the Self-Employed ?

Private health insurance for the self-employed provides you with very fast access to the best medical treatments and advice. It can help avoid the costly fees associated with private treatments, and get you back up and running in no time.

Private health insurance will:

  • Significantly reduce wait times when compared to the NHS
  • Grant you access to the best private health facilities and treatments
  • Give you private accommodation in a hospital or clinic, should you require it
  • Grant you access to more advanced treatments that may not be available on the NHS

Health insurance is particularly useful for fast-tracking surgery, and consultant or referral appointments, substantially minimising the disruption to your business.

A lot of providers will also grant you access to their private health advice services, allowing you to get in touch with them 24/7, including virtual access to GPs. 

What Types of Claims Am I Covered For?

The types of claims you can make under private health insurance depends on your level of cover. Providers will generally offer basic, medium and comprehensive cover that caters to different needs and budgets. Some providers will also offer flexible policies so you can remove elements you don’t need.

Put simply, self-employed health insurance will cover the costs of your private medical treatment if you fall ill. Instead of relying on the NHS, which can have lengthy wait times, you’ll be seen and treated quicker. Some insurers will also include extras such as cancer cover and mental health support.


There are some things that will be excluded, so always double check policy exclusions when deciding on the right cover for you. 

What Is the Difference Between Income Protection and Health Insurance?

While similar, private health insurance is very different to income protection insurance. Income protection insurance is designed to pay a monthly benefit if you are unable to work due to injury or illness, which helps you keep on top of your rent, mortgage payments and more.

Private health insurance is designed to cover the costs associated with your healthcare treatments in private clinics and hospitals, and your provider usually settles the associated bills directly with them.

Income protection insurance and health insurance are complimentary, you don’t have to choose between them

How Dead Simple Insurance Can Help

At Dead Simple Insurance, we know what policies you need to protect your employees, yourself and most importantly: your business. We can help you find the best prices from reputable providers, taking the hassle out of life insurance.