There is no point in taking out a plan that does not suit your needs when there are bespoke plans out there suited to your needs. With some insurers, the different needs of the self-employed customers are responded to. Their self reliance and their desire to look after their own needs are reflected in the cover and its cost.
Let´s assume your GP recommends that you see a particular consultant for your treatment. Some health insurers allow customers, in conjunction with their GP to choose their consultant while others have approved consultant lists - basically, it is based on cost and low cost is rarely a proxy for quality. If the one you´ve been recommended isn´t on that list then you either have to find another or pay the difference yourself. That´s all you need if you are unwell - and particularly if your business is suffering with all the extra time you´ll have to take off to find help that your insurer approves of
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