Should I get private health insurance if I'm self-employed?

Yes — because self-employed income stops when you're unwell. Personally-paid PMI is not tax-deductible for sole traders. Through a limited company, PMI is a P11D benefit-in-kind: the company deducts the premium (Corporation Tax saving), you pay income tax on the BIK value. Net cost is typically 20–35% less than personal.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.