Affordable Self employed health insurance Plans

If you work for yourself then you should ensure you have self employed health insurance from a leading insurance company.

Health insurance is vital if you have an accident, are on long term sick leave or get a disability at all because you still need a steady financial income to support you, your family and your everyday living expenses.

Search online for quotes from companies and check their policies in detail and they will vary in premiums as well as in insurance cover. You should also use a reputable organisation as this will be a long term commitment. Health insurance may come in many forms and cover critical illness, disability, hospital plans and other cover such as dental plans.

Remember that if you are self employed no one else except you will provide cover if suddenly you can no longer undertake your own work. Governments may pay out but their weekly payments will be very low and unlikely cover anything other than your food bill. It’s an ussue for being a small business owner. So make sure you get health insurance before it’s too late.

Most insurance companies will allow a certain tailoring of policies and add in extras to compliment your health cover. Get get quotes and when completing your application form ensure you put down any existing conditions otherwise you may find the insurance doesn’t pay out at a later date.

Some of the companies that offer health insurance may surprise you as they now include supermarkets like Tesco ! The major companies to look for are AXA, PPP, HSA and Saga for the over 50s. Others include PruHealth, Norwich Union, Standard Life, Bupa and Prudential. As before, get quotes and look for the latest deals. It’s best to shop online rather than use a financial advisor as they will take a huge chunk of your premium and you won’t get the best rate. (Just ask your advisor if you must, if you actually need health insurance in the first place)