Health Insurance For Independent Contractors
No sick pay. No downtime allowed. Protect your contract continuity and your health with fast-tracked private medical cover.
Why Contractors Need Specialist Health Cover
When you bill by the day, an unexpected health issue can put your entire livelihood on pause. Private healthcare ensures you bypass standard wait times and get back to your clients quickly. You can compare private health insurance options that may suit your circumstances.
- Avoid Long Wait Lists
Get immediate access to specialists and scans rather than waiting months.
- Secure Contract Continuity
Maintain your professional reputation by managing your health disruptions effectively.
- IR35 & Tax Considerations
Options to structure cover whether operating through a Limited Company or Umbrella.
Cover Built Around How You Work
Contracting in the UK comes with complex structures. Understanding these structures can help you find policies that align with your financial setup.
Limited Company (Outside IR35)
Pay for your policy through your limited company. Often an allowable business expense, though generally treated as a Benefit in Kind (P11D). Still highly tax-efficient compared to paying personally. See our director health insurance page for more details.
Inside IR35 Contracts
If you're operating inside IR35 or via an agency, individual policies may still be available to give you premium protection without complicating your tax status. An insurance specialist working for an FCA-authorised firm can help explain the options. Also relevant for self-employed professionals.
Umbrella Company
Operating through an umbrella? Policies paid personally can still be calibrated to help ensure you aren't overpaying for unnecessary add-ons. An insurance specialist working for an FCA-authorised firm can help explain your options.
Types of Contractors We Help
What To Look For In A Policy
- Comprehensive Outpatient Cover: Crucial for fast diagnosis and scans.
- Mental Health Add-ons: Contracting can be isolating; extensive mental health cover protects against burnout.
- Virtual GP Access: Book a consultation on your lunch break without leaving your home office or site.
- Flexible Underwriting: Choose between Moratorium or Full Medical Underwriting. Learn more in our underwriting guide.
Trusted by Contractors Nationwide
See how we've helped others protect their health and businesses.
Contractor Health Insurance FAQs
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