Contractor Health Insurance UK

UK contractor health insurance typically costs £60–£150/month for a healthy 35-year-old. Ltd/PSC directors can offset premiums as a business expense. Umbrella contractors pay personally but may claim via salary sacrifice where offered. The Exeter and Aviva are the most placed providers for contractors.

• Contractors operate in a regulatory grey zone: IR35 status affects how you're taxed, and therefore how PMI is best paid. Inside-IR35 assignments mean you're taxed like an employee — umbrella PAYE, no Ltd expense offset. Outside-IR35 means Ltd expenses apply, and PMI via the company is tax-efficient.
• Regardless of IR35, the core value proposition is the same: private treatment in days rather than weeks, protecting your ability to deliver contracts. IT contractors with RSI, orthopaedic issues, or burnout-related mental health needs are among our most frequent claimants.
• Some umbrella companies offer group PMI as a benefit — cheaper than individual cover, but often with narrower hospital lists or higher excesses. We compare umbrella-group options against individual cover to find the best value.

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.