The Best Private Medical Insurance for Self Employed Individuals & More
Protect yourself and your family with insurance cover tailored to the requirements of those who work for themselves
We take the time to understand your needs in order to find you the right cover. Talk to our experts about insurance that suits your circumstances.
Speak to an expertCustomers love us! Don't take our word for it. Check out what some of them have to say...
Life Insurance
Who will look after your loved ones when you’re no longer around? It’s an uncomfortable thought, but planning for their wellbeing can offer invaluable peace of mind, especially for independent professionals. Life Insurance provides a substantial, tax-free lump sum or regular monthly payments to your beneficiaries, ensuring they can manage daily living costs and more in your absence.
Speak to an expert
Whole Of Life
Whole of Life insurance is a type of policy that promises a payout to your family whenever you pass away. Unlike term life insurance, which only covers a specific duration, Whole of Life insurance remains in force until your death. This guarantee provides reassurance that your loved ones will be financially protected, regardless of what happens and is especially useful for contractors and other self employed individuals.
Find Out More
Critical Illness
Critical Illness cover won’t prevent you from becoming ill, but it can help ease the financial impact, especially if you’re working for yourself. Critical Illness Insurance provides a one-off lump sum payment, offering protection when you’re unable to work. This payout can be used to clear debts, fund medical treatment, or ensure your family’s financial stability.
Find Out More
Private Medical Insurance For Self Employed Individuals
Get back to work sooner. With Private Medical Insurance specifically designed for contractors, freelancers and other self employed individuals, you can bypass waiting lists and receive the care you need quickly. It helps you to recover and return to normal life faster, and you may be covered for treatments that aren’t offered by the NHS.
Find Out More
Indemnity Insurance
Even if you’ve done nothing wrong, the risk remains. From breaches of contract or confidentiality to negligence, defamation or intellectual property disputes, there are numerous ways your business could face liability. You may believe these issues would never arise, but a dissatisfied client might see things differently. As a contractor, freelancer or other self employed professional, do you have the funds to fight a court case?
Find Out More
Personal Income Protection
If you’re unable to work, you’re unable to earn. How would that affect your mortgage, monthly bills and other expenses? Income Protection insurance provides financial stability for independent professionals, freelancers and contractors who don’t have access to sick pay support from an employer.
Find Out More
Buildings & Contents Insurance
If you’re unable to work, you’re unable to earn. How would that affect your mortgage, monthly bills and other expenses? Income Protection insurance provides financial stability for independent professionals, freelancers and contractors who don’t have access to sick pay support from an employer.
Find Out More
Get your guide to Personal Insurance
Interested in learning more about ways to safeguard yourself, your family and your business? Download our guide to personal insurance for more details.
Get the guide
Ready to find your ideal cover?
Fill out the form below to arrange a time to speak to one of our experts.
Pensions
Put funds away for your retirement while benefiting from tax savings. Unlike employees who hardly notice their monthly pension contributions being taken from their salary, independent professionals face a different scenario. It’s essential to ensure you’re setting aside enough to meet your retirement goals while also making informed choices about how your money is invested and how effectively it’s working for you.
Find Out More
Your Insurance Questions Answered
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.