Separate healthcare from income protection
Private medical insurance may pay for eligible private care. It does not replace earnings if you are unable to work. Income protection is a different type of insurance with its own terms.
Personal or business arrangements?
Being self-employed does not automatically mean a business health insurance policy is the right route. Consider how your business is structured, who needs cover and whether a personal family policy fits. Seek appropriate advice on any tax treatment.
A practical comparison
- Local hospital access and appointment arrangements.
- Outpatient cover, diagnostics and therapy benefits.
- The monthly premium and an affordable excess.
- Eligibility and benefits for your children.
- Existing insurance and underwriting terms.
Start with your family’s needs
Begin with who you want to cover and the benefits that matter. Avoid choosing a policy solely because it is described as suitable for business owners.
Compare family cover