Getting health insurance when you're self-employed

Explore the benefits of being covered when self-employed

If you’re self-employed you may be considering health insurance to give you peace of mind for your business. That’s why we’ve provided a helpful overview of health insurance when self-employed, including the benefits to your business should you fall ill. You can also find out more about leaving your company health insurance scheme here.

Get a quote for Comprehensive health insurance or Treatment and care.

Advantages of health insurance for self-employed people

Once you’re self-employed you’re unable to take advantage of employee benefits, which could include health insurance. That means if you fall ill, you have to rely on statutory sick pay (SSP) to cover your earnings if you’re unable to work. This often means there is greater pressure to get well and back to work as quickly as possible, to minimise losing further earnings.

One of the main benefits of health insurance is the quick access to care, whether you need to see a specialist or require treatment. This is ideal if you want to get back to work as soon as possible.

What are the benefits of having Bupa health insurance?

With Bupa, you’ll have quick access to our wide-range of healthcare services. We’re here to help you deal with health issues big and small, sooner rather than later – so you can get back to work as soon as possible.

Not only that, you can access up to 600 hospitals in our networks (depending on the policy you pick) so you’re never far from a Bupa-approved hospital – ideal if you have to travel around for your business.

We also provide services to manage both your physical and mental health, offering cover for back pain, stress, and a range of conditions in between. Because we know how long-term absence can have lasting effects.

Our health insurance isn’t just there for the big things either. It’s also there for the small issues too – because it’s reassuring to know you can talk to a medical professional over the phone as soon as you feel unwell. That’s where our Anytime HealthLine comes in, which includes:

  • Information and advice 24/7 from a specially qualified nurse or GP
  • Unlimited calls to the HealthLine
  • Availability to your immediate family too

How do self-employed people get health insurance?

When you’re self-employed you have a range of options when it comes to types of cover for health insurance, depending on the policy you take out. If you were recently covered under a company health insurance policy, you may be able to switch to a personal policy which continues your benefits, without the need to be re-underwritten.

You may also be eligible to deduct the premiums you pay for certain benefits (including health insurance) as it can be classed as a business expense and therefore eligible for tax relief.

If you qualify, the deduction for your self-employed health insurance premium is a valuable tax break, helping you pay a portion of your health insurance premium – saving you money.

For more information, please visit the HRMC website

Learn more about private health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. We also cover a number of key topics – such as how to decide whether you need private health insurance, whether you need an excess on your policy, and private health insurance exclusions.

^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.