Self-employed health insurance

Health insurance for the self-employed

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. Our health insurance covers the cost of private healthcare for conditions that develop after your policy has begun. Our health insurance is adaptable to suit your individual health and wellbeing needs, and your budget. From fast access to doctors through our Digital GP service, to our mental health support, there are many benefits to our health insurance.

Get a quote today to find out the cost of your self-employed health insurance cover

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Self-employed health insurance requirements

You may consider taking out self-employed health insurance to give you peace of mind for your business. There are no requirements – simply get a quote online and adapt your health insurance cover to suit your individual needs.

Self-employed health insurance deduction

You may be eligible to deduct the premiums you pay for certain benefits (including health insurance) when you’re self-employed, 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.

Once you’re self-employed you’re unable to take advantage of employee benefits, such as health benefits. That means as soon as 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 surgery. This is ideal if you want to get back to work as soon as possible.

You’ll have quick access to our wide range of healthcare services. You’ll have 24/7 access to health advice via our Anytime Healthline, virtual access to GPs through our Digital GP service, and we cover more mental health conditions than any other UK insurer under our mental health cover.

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

The cost of your private health insurance will depend on the type of policy you choose. We offer two levels of health insurance cover for you choose from: Comprehensive and Treatment and Care. To make it fair for everyone, several factors influence the cost of your health insurance, such as unhealthy lifestyle choices – like smoking – and age.

Everything you need to know about health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. Not only that, but we also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.

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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.