Protect yourself and your business with self-employed health insurance

call us on 0800 389 7413

Self-employed sickness insurance

Being self-employed comes with a lot of freedom. You’re your own boss, so can decide when and where you work. However, it also comes with its own set of challenges.

Unlike when you’re an employee at a company, it’s likely that you don’t get any statutory sick pay when you’re off work due to sickness when you’re self employed1. With no income while you’re not able to work, this can add to the worry that comes with being unwell. 

Our self- employed sickness insurance aims to get you back to work as quickly as possible by giving you prompt access to diagnosis and eligible treatment in a private hospital. You could cut down on waiting list times and see a specialist quickly, minimising the amount of time that you need to spend away from work. This also comes with the added benefit that your appointment can be at a time and place that suits you, whether that be in the evening or at the weekend. This gives you the flexibility to plan your medical appointments around your life and your work.

Get back to work quickly

Taking time off work because of sickness can not only have financial implications due to a loss of pay, but it can also put relationships with clients at risk if you aren’t able to fulfil contracts. 

Sometimes medical appointments can be inconvenient when they’re during working hours, or at locations that aren’t convenient for you to get to.

With our self-employed sickness insurance, you’ll be more in control of your medical appointments. Our Doctor@Hand service (provided by Doctor Care Anywhere) lets you speak to a GP by video or by phone at a time that suits you. Whether that’s in the middle of the night or at the weekend, you can have a 20 minute appointment with a GP whenever and wherever is most convenient for you*.  

If your GP recommends that you see a specialist, our Fast Track Appointments team will find you an appointment with a consultant-level expert at a time and place that suits your schedule so you can minimise the amount of time that you’re not at work. And if you select a plan option which covers outpatient specialist consultations, you can relax knowing the appointment will be covered.

And if you have to spend time in hospital, you’ll have access to an approved list of private hospitals. As well as being able to choose which hospital you’ll be treated at, you’ll usually get your own private room, TV and Wi-Fi as well as free parking for you and your visitors so your stay will be as comfortable as possible. 

Peace of mind

It can be worrying when you aren’t feeling your best. You might have lots of niggling health-related questions or concerns that keep you awake at night, or that you worry about during the working day. 

With our sickness insurance for the self-employed, you’ll have access to our 24/7 Health at Hand telephone service. Whether you’ve got questions about a diagnosis, worries about a prescription or pregnancy related queries – our Health at Hand team of midwives, pharmacists, counsellors and nurses is just a phone call away**. 

Cover to suit you

Our self-employed sickness insurance comes with a range of options for you to choose from so you can tailor your plan to best suit your needs. There are also cost saving options available, so it might be more affordable than you think.

Cost saving options include:

  • Pay up-front -Save 5% by paying your subscription yearly instead of monthly.
  • Guided option - Pay less for using specialists that we’ve sourced our Fast Track Appointments team will recommend up to three specialists and book an appointment to suit your employee.
  • Fix your subscription for two years - Know exactly how much you’ll be investing in each employee over the next two years (tax changes still apply.)
  • Choose an excess - Depending on what you choose for your plan, you may be able to reduce your annual subscription by including an excess of between £50 and £750 per employee.

Key benefits of our self-employed sickness insurance

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Access to our 24/7 Health at Hand telephone service

Our self-employed sickness insurance provides access to our 24/7 health information telephone helpline, Health at Hand. Our team of midwives, nurses, pharmacists and counsellors are on hand to answer your health questions**. 

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24/7 online GP service*

If you take out self-employed sickness insurance, you'll have unlimited access to our 24/7 online GP service, Doctor@Hand (provided by Doctor Care Anywhere). This gives you access to a 20 minute online appointment with a GP at a time and place that suits you. Whether that's in the middle of the night or at the weekend. Fair usage policy applies.

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Fast track appointments

If your GP recommends that you see a specialist, our Fast Track Appointments service can get you quick access to a specialist at a time and place that suits you. This means less time spent worrying about waiting lists. 

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Cover to suit your budget

We think that the best way for you to get the healthcare cover that's right for your business and your budget is to let you build your plan yourself. We offer a range of cover options so you can tailor your plan to suit the needs of you and your team.

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Up to 50% off annual PureGym membership

With our self-employed sickness insurance, you'll also get up to 50% off annual PureGym membership*** to help you to achieve your fitness goals. Whether you're a gym expert or you're just starting out on your fitness journey.

To speak to our small business experts about self-employed sickness insurance, including what is and isn’t covered, and to get a quote Call 0800 389 7413 

Defaqto 5 star rating     feefo_platinum_service_2020_tag_dark.png

Our Business Health plan has been rated 5 Stars by independent financial information business, Defaqto. The Defaqto 5 Star Rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s Star Rating.

Award-winning provider

  • Defaqto - 5 Star Rating
  • Feefo - Platinum Trusted Service Award
  • Your Money - Best Direct Healthcare Provider Award

Lines are open 8:30am – 5:30pm weekdays. AXA PPP healthcare may record and/or monitor calls for quality assurance, training and as a record of our conversation.

*Appointments subject to availability and fair usage policy applies.

**Health at Hand Nurses and Counsellors are available 24/7, Midwives and Pharmacists are available 8am – 8pm Monday – Friday, 8am – 4pm Saturday and 8am – 12pm Sunday. 

***For full PureGym offer terms and conditions -  

Sources and references

1 Citizens Advice