Private Health Insurance for Self Employed Professionals
Get the best medical care when you need it
Don’t let illness or injury impact your business.
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Quality healthcare without the wait
Your ability to work is essential to your livelihood. But if illness or injury strikes, long waiting times on the NHS can leave you in limbo. Private Health Insurance ensures you have fast access to care, reducing downtime and helping you recover without unnecessary delays.
This type of cover includes private consultations, diagnostic tests, surgeries and hospital stays, as well as treatments and medications not always available through the NHS. It’s designed to give you peace of mind that your health is in the best hands when you need it most.
By avoiding lengthy waiting lists, you can return to work quickly and minimise disruption to your business. For self employed professionals, this isn’t just about health—it’s about protecting your income too.
Choosing the right Private Health Insurance can be challenging, with so many policies and providers to navigate. That’s where we come in. Our team takes the time to understand your situation and guide you towards a tailored policy that works for your needs.
Speak to an expertWhat about your income while you can’t work?
Having access to top-quality medical care is invaluable, but recovery takes time, and during that period, you might be unable to work. Without a safety net, this could lead to significant financial strain. Income Protection Insurance steps in to provide a consistent flow of funds, helping you manage your expenses while you focus on getting back on your feet.
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Uncover the many different policy types and levels of cover that could make all the difference should you suddenly need treatment.
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FAQs
What does Private Healthcare cover?
Private Healthcare plans are typically designed to cover acute medical conditions. This includes short-term illnesses, treatable diseases and injuries which, through care, you are likely to make a full recovery from. If you have an existing chronic condition, it’s likely that this will be excluded from any cover you take.
Why do I need Private Healthcare?
Unlike other forms of insurance, Private Healthcare tends to be viewed as optional. This is because we are fortunate to live in a country that offers an extensive National Health Service that will cover most treatments for free. However, due to long waiting lists and lack of choice, it could also benefit contractors to have Private Healthcare in place.
As a business owner, professional or contractor, if you can’t work, you can’t earn. With a Private Healthcare policy, you can rest assured that if you do have an illness or injury, you’ll be able to get back on your feet and back to work faster than usual.
Are pre-existing conditions covered?
Private Healthcare is designed to cover conditions that you may develop after taking out the policy. However, depending on the insurer, you may be able to cover pre-existing medical conditions. Keep in mind that this will have an impact on the cost of your premiums.
What are the benefits of Private Healthcare?
Getting help faster – Being seen quickly is one of the many reasons contractors consider Private Healthcare. If you’re unable to earn due to an illness or injury, Private Healthcare will get you back on your feet faster than regular NHS services. You may have access to better care as well as medication and treatments that are not yet available on the NHS.
Privacy and choice – By purchasing Private Healthcare you often have more choice and greater privacy. You may be able to choose a hospital or doctor and even request your own private room – this wouldn’t be available to you if you used the NHS.
What factors affect the premium?
There are many factors that can influence the cost of your premiums. Typically, your age, current health and medical history, but your job may also have an impact if it is seen as a risky profession. If you’re a smoker you may have higher premiums than non-smokers.
What’s important to consider when looking for Private Healthcare?
When looking to get a Private Healthcare policy, it’s important for you to understand what type of cover you require. Do you want comprehensive coverage (which will cover you for everything) or a policy that simply covers you for outpatient visits?
You may also need to consider what could be affecting the price of your premium. Getting the best possible cover won’t be the cheapest but you can’t put a price on your well-being when you’re a contractor. Therefore, it is best to speak to an adviser to find out the level of cover you need to suit you and your circumstances.
How can I set up a Private Healthcare policy?
When it comes to things as important as protecting our health and finances, we believe that you should receive the best impartial advice. To set up a Private Healthcare policy, or if you have more questions and want to speak to an expert, get in touch.