A Guide to Health Cover for the Self-Employed

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A Guide to Health Cover for the Self-Employed

The NHS and the self-employed

More than sixty years after it was created, our National Health Service is challenged under the increasing demands made of it. But the service we remain so justly proud of is cracking under the strain of an increasing population and a curb on expenditure. And it´s likely to get worse. Currently, waiting lists for treatment at NHS hospitals are the longest in five years. In June 2013 there were nearly 2.9 million Britons waiting to see doctors and specialists - up a massive 250,000 on the previous year.*

It all adds up to a toxic brew if you are self-employed. While an employee with a sympathetic employer can easily take the time off work for appointments, it´s not so easy if you are self-employed. Neither can you take long periods off work waiting for treatment: because if you don´t work, you don´t earn. So maybe you will choose to struggle on and work - but that could make your condition worse.

Given this, it´s easy to see why health insurance which allows policyholders to see specialists quickly - and be treated in private hospitals if the need be - is a good idea, particularly for the self-employed. In these difficult times few self-employed people will have spare money - but it could be a false economy to do without medical insurance. Could you spare the time - and bear the stress - of waiting for an appointment for weeks? Would your business survive you being unable to work? And wouldn´t you prefer to be able to choose when you see a specialist and where?

Is health insurance worth it for the self-employed - and how do you find the right policy and provider?


* Statistical press notice June 20th 2013 Waiting times data to April 2013



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