Self-Employed Health Insurance UK

UK self-employed health insurance typically costs £50–£150/month for a healthy 35-year-old. Ltd company directors can offset premiums as a business expense. The Exeter and Aviva are the most commonly placed providers for freelancers due to flexible products and competitive pricing.

• When you're self-employed, a health issue isn't just uncomfortable — it threatens your income. NHS waits of 14+ weeks for orthopaedics or physio can mean 14+ weeks of lost earnings. PMI cuts that wait to days, getting you back to work faster.
• Tax treatment depends on your business structure. Sole traders generally cannot deduct personal PMI premiums from taxable income. Ltd company directors paying via the company can treat premiums as a business expense (and a benefit-in-kind for tax purposes), often making PMI cheaper than buying personally after tax.
• The Exeter specialises in self-employed and small-business cover with a 'six-week NHS option' that reduces premiums while still giving private access for longer waits. Aviva's Healthier Solutions is another popular choice for its modularity and digital GP.

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.