Being self-employed or freelance can have a number of benefits. You are your own boss which can be incredibly rewarding. You often have much more autonomy compared to when you’re an employee, and you can have greater control over your time and your work. However, being self-employed can also have some drawbacks. You often have to take on all the responsibility of your business, which means that taking time away from work due to ill health can be costly.
At AXA Health, our health insurance for self-employed contractors aims to help you get back to work quickly through prompt access to diagnosis and treatment.
When you’re self-employed or a freelancer, it’s likely that you’ll want to have flexible health insurance that fits your needs and your budget. We think that the best way for you to get the health insurance that is right for you is to let you build your plan yourself. That’s why we offer a range of cover options for you to choose from, so you can build a plan tailored to your needs.
Build a plan that works for you
With our health insurance for self-employed contractors, 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 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 chronic conditions like asthma
- Travel: Whether travelling for business or pleasure, this our travel option covers emergency medical treatment. You will also have access to other travel related benefits
Included as standard:
Regardless of the cover options you choose, you’ll also have access to the following benefits and services included as standard when you take out self-employed health insurance with us:
Physiotherapy consultations
Speak to a physiotherapist online or over the phone without the need for a GP referral. Available to members aged 18 and over
Health information phone line
Answers to healthcare queries from our health information phone line or from our online health centres
Access to our 24/7 online GP service
AXA Doctor at Hand (provided by Doctor Care Anywhere) gives you access to online or phone appointments with a GP at a time and place that suits you. Appointments are subject to availability
Cancer and heart care
Support for you and your family from our telephone nursing team through the uncertainty of serious illness
Wellbeing incentives
Access to up to 40% off monthly gym membership*
What are the benefits of health insurance for self-employed contractors?
- Get back to work quickly: When you’re self-employed, being unable to work due to ill health can have a big impact on your business and on your finances as you won’t have access to sick pay like you might if you were an employee. Our health insurance for self-employed contractors 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 health insurance for the self-employed comes with the added benefit that medical appointments can be made at a time and place that suits you, so you can minimise the impact that it has on your work and your life
- Get access to support when you need it: Being self-employed or freelance can be isolating as you often don’t have the support of colleagues working with you. Our private health insurance gives you access to support online or over the phone from our team of nurses, counsellors, midwives and pharmacists. So you’ll have someone to support you, whether you’re struggling with the pressures of work or you have a health concern
Investing in your health and wellbeing when you’re self-employed is important. When you’re solely responsible for your business and your income, prioritising your health and wellbeing can benefit both you personally and your business. Investing in private health insurance can help you to get back to work quickly if you become unwell. It can also give you access to other health and wellbeing benefits, such as discounted gym membership to help you look after your overall health and wellbeing.
Find out more about our health insurance for self-employed contractors, including what we do and don’t cover and get a quote today
Health and wellbeing info, straight to your inbox
Sign up to receive our small business health and wellbeing newsletter straight to your inbox each month. Designed specifically for small business owners, our newsletter provides actionable advice and insights to help keep your employees healthy and happy, and to help keep your business growing.
 |
Receive insights from our in-house experts directly to your inbox on a number of health and wellbeing topics. |
|
|
|
|
|
Read tips for how you can prioritise the health and wellbeing of your team. |
*Discount applies to Nuffield Health fitness and wellbeing centre monthly individual membership only. Your employees must provide proof of membership and/or employer. You, your spouse, partner or dependent must be a named member on a current AXA Health healthcare plan to get a 40% discount and be 18 years or older. As a member, you can access your home club (the one you select on joining) as well as many more clubs around the country. These depend on your home club. You must use your home club at least 50% of the time. The joining fee is £39 and may be subject to change by Nuffield Health. Existing members of Nuffield Health who transfer to a 40% off AXA Health discount will be charged a £39 administration fee by Nuffield Health. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.
40% off Nuffield Health 24/7 online memberships - available to your employees and their spouses, with or without an AXA Health membership. Read full terms and conditions at axahealth.co.uk/terms/gym-discount. You must be over 18 to redeem all AXA Health discounts with Nuffield Health.
40% off the purchase of a Hussle Monthly+ pass is available to members on an AXA Health healthcare plan. A partner or spouse and direct dependants included on their healthcare plan can also get 40% off the purchase of a Hussle Monthly+ pass. 33% off a Hussle Monthly+ pass is available to employees of AXA Health healthcare clients not covered by a company healthcare plan. They must provide proof of employer. Read full terms and conditions at axahealth.co.uk/terms/gym-discount.