Private Health Insurance for Self-Employed & Contractors
When you work for yourself, you are the business. Protect your income, skip NHS waiting lists, and access affordable, flexible cover designed for sole traders and independent professionals.
No Sick Pay? No Problem
Secure rapid diagnosis and treatment to protect your earning days.
Bypass NHS Queues
Avoid the standard 18+ week waiting lists entirely.
Flexible Excess Options
Choose excess levels from £100 to £500 to lower monthly premiums.
Moratorium or FMU Choice
Select the underwriting method that best suits your medical history.
Add Family Members
Easily extend comprehensive protection to your partner and children.
Affordable From £30/month
Highly modular policies let you build cover that fits your budget.
Protect Your Personal Cash Flow
Unlike traditional employees, sole traders and contractors do not have a sick pay safety net. If you can't work, you don't earn—but your business costs and household bills don't pause.
- Skip the Waiting Lists
Stop lost income dead in its tracks. Avoid the standard 18+ week NHS delays for diagnostics and specialist treatments.
- Protect Your Earning Power
Even modest monthly premiums are a fraction of the cost of missing months of client work or contracting days.
- Maintain Client Relationships
Secure rapid healthcare intervention to ensure continuity of service and protect your professional reputation.
How Will You Be Assessed?
Choosing the correct underwriting method ensures there are no surprises when you need to claim.
Moratorium Underwriting (MORI)
The fastest and most popular route. You don't need to fill out a lengthy medical questionnaire upfront. Pre-existing conditions from the past 5 years are automatically excluded, but may become eligible for cover after a 2-year rolling period completely free of symptoms, advice, or medication.
Full Medical Underwriting (FMU)
You declare your full medical history during the application process. The insurer will assess this and specifically state what is and isn't covered from day one. This provides absolute clarity and peace of mind before you pay a single premium.
Modular Cover For Your Budget
You are in complete control. Dial features up or down to find the perfect balance between premium protection and affordability.
- Adjustable Excess Levels: Lower your premiums substantially by choosing a £100, £250, or £500 excess paid only when you make a claim.
- Inpatient vs Outpatient: Choose core inpatient-only cover for major procedures, or add full outpatient cover for unlimited specialist consultations and diagnostic scans.
- Add-on Therapies: Opt-in for extended mental health support, physiotherapy, or alternative therapies as your lifestyle demands.
- Hospital Lists: Choose national access or narrow it down to specific local hospital tiers to reduce your monthly costs further.
Contractor & Sole Trader FAQs
Get in Touch
Get a tailored, affordable health insurance quote designed for self-employed professionals.
