Sole trader health insurance
When you work for yourself, taking time off work when you're unwell can have a big impact. As a sole trader, our business health insurance can help you get back to work quickly through prompt access to diagnosis and treatment.
Back to health and back to work with health insurance for sole traders
Our business health insurance isn’t just there for when you need treatment. Our health practitioners are at the end of the phone anytime you need them with our 24/7 health support line service. And access to member offers such as discounts on gym memberships can give you an added incentive to stay fit and healthy.
Sole trader health insurance
Our business health insurance comes with a choice of cover options, so, as a sole trader, you can build a plan that's right for you. There are also lots of ways to manage your costs, so it might be cheaper than you think.
Get back to work quickly
When you’re a sole trader, being unable to work due to ill health can have a big impact on your business and on your finances. Our business health insurance aims to get you prompt access to diagnosis and treatment (depending on the cover options chosen) so you can minimise the amount of time that you need to spend away from work.
Flexible medical appointments
Our business health insurance comes with the added benefit that medical appointments can be at a time and place that suits you, so you can minimize the impact that it has on your work and your life.
Build a plan that works for you
With our health insurance for sole traders, you can choose from the following cover options:
If you are buying cover for 1-2 people only, you will need to include either the Treatment option or the Diagnostics Only option in your plan.
- Treatment option: Cover for hospital procedures and operations, including surgery, plus radiotherapy and chemotherapy for cancer when you include Comprehensive Cancer Cover
- Diagnostics Only option: This option helps you or one of your employees find out what's wrong, quickly, if you need to be referred
- Dentist and Optician Cashback option: Look after your teeth and eyesight with cashback towards dentists’ fees, glasses, contact lenses and eye tests
- Therapies option: Cover for referred outpatient treatments by an osteopath, physiotherapist, acupuncturist, or chiropractor
- Outpatient option: Helps get you seen quickly with a GP referral by a specialist at a time and place suitable for you
- Mental Health option: Look after more than just your physical health with cover for mental health treatment
- Private GP: This option makes it easy for you to see a private GP in person, promptly, at a time that’s convenient
- Extended Cover: Provides even greater flexibility over where you’re treated. Plus, extra cover for planned, pre-approved treatment abroad and cover for the routine management of some specified chronic conditions, including asthma
- Travel: Whether travelling for business or pleasure, our travel option covers emergency medical treatment. You will also have access to other travel-related benefits
- Employee Assistance Programme: This option gives you a professionally trained expert to talk to during difficult times such as divorce or money problems
- Health Assessments: Health assessments can provide guidance so you can make small changes to improve your health and wellbeing
- Vaccinations: Look after your health with a contribution towards annual flu and travel vaccinations
What are the benefits of our health insurance for sole traders?
Regardless of the cover options that you choose, you'll have access to the following included as standard:
- 24/7 access to a private GP - Access to our 24/7 phone and video GP service (powered by Doctor Care Anywhere). Appointments are subject to availability.
- Muscle, bone and joint support - You and your team aged 18 and over get access to a physiotherapist over the phone, or online without the need for a GP referral.
- 24/7 health support line - Our helpline is open 24/7 for health information and support from nurses and counsellors. Midwives and pharmacists are available from 8am-8pm Monday to Friday, until 4pm on Saturday, and until 12pm on Sunday.
- Heart and cancer support - Our experienced nurses are at the end of the phone to offer you and your family information and support if diagnosed with one of these conditions
- Gym discounts - Access to special member offers such as discounts on gym memberships. Terms apply
Small business guide to health insurance
If you've considered investing in healthcare cover, it's likely that you have questions around how it works. You'll want to make sure that you're getting the cover that will best suit your needs and your budget, so you can ensure that your healthcare cover is the best fit for you and your business.
That's why we've created our small business guide to health insurance.
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