Getting health insurance when you are self-employed
Being a self-employed business owner, your health and wellbeing, and your ability to keep working, is vital to your business and your livelihood.
Equipsme makes health insurance simple! We’ve created a bespoke health insurance plan for self-employed people just like you. You can get 24/7 GP appointments, fast access to physio treatment and a wide range of practical wellbeing, diagnosis and treatment options.
Our partnership with AXA PPP healthcare Limited helps provide quality treatment when you need it most. With plans starting from £27 per person per month, you can stay healthy and keep earning.

Health Insurance

24/7 GP Access

Health Checks

Stress Support
Frequently asked questions
Do I need self-employed business health insurance?
Health insurance for the self-employed isn’t a legal obligation, but it can make a real difference to your health and financial position.
When you’re a self-employed business, you’re not eligible for statutory sick pay and you’ll usually lose any cover that came with your last job.
It’s not just serious illness that impacts your ability to earn. Taking time off with a knee or back injury can be common. Getting checked out quickly, or accessing physio sessions, can make all the difference.
Also, if there is something wrong, private health insurance can help you get seen faster, by an approved consultant and hospital.
What’s included in Equipsme’s health insurance plan for self-employed businesses?
Depending on the level of cover you choose, you’ll enjoy access to a wide range of health benefits and services, including:
- 24/7 GP Access – get a GP consultation by phone or video
- Physio sessions – help and advice over the phone, plus up to 5 or 8 sessions per year
- Health checks – including blood tests, cholesterol, Vitamin D and diabetes
- Nurse support – private nurse helpline
- Diagnosis cover – consultations, diagnostic tests, MRI and CT scans
- Hospital treatment – cover for specialists, surgeons, hospital room, dressings and drugs
- Stress support – telephone service, counselling and face-to-face sessions
Why choose Equipsme for self-employed business health insurance?
- Partnered with AXA PPP healthcare – a top class insurance provider that gives you quality health care when you need it.
- Bespoke plans and packages – tailor-made pricing and plans for self-employed business owners aged 16-59 and their families.
- No medical questionnaires required – no medicals or complicated questionnaires to complete. We have a simple three-year pre-existing conditions exclusion.
- Add family members – extend cover to partners and children, who all get the same benefits as you.
Are there medical questionnaires involved?
No, Equipsme offers self-employed health insurance with no medical questionnaire required – so it’s quick and easy to buy. All ages 16-59 cost the same and we have a simple three-year pre-existing conditions exclusion.
Do I get automatic cover for my family?
It’s not automatic, but you have the option of paying to add your spouse/partner, plus children up to the age of 25. Everyone gets the same benefits. The first child is half price, with up to five other children covered for free.
Free for first 2 months of cover
Terms and Conditions
This offer is available to self-employed business owners and companies with employees, that accept to buy an Equipsme Health Insurance Plan by 31st October 2020. The start date of cover under the plan will depend on the type of business you are:
- Self-employed business owner – Cover can start from the day after you accept to buy a quotation. You can add partner and children to your chosen plan level and you pay for the whole plan monthly from your UK business bank account.
- Company with employees – Cover starts after a 21-day selection window during which employees can upgrade level, add partner and children. You pay for the employee cover monthly from your UK business bank account. Employees pay for any upgrades, partners and children themselves via a separate Direct Debit collection.
You will need to complete a Direct Debit Instruction at the time of accepting your quotation as a Self-employed business owner or Company with employees. Rest assured we will not collect any money until the third collection date.
Should a business make changes (such as, adding/removing employees) during the first two months of cover, the monthly direct debit adjustments due for that cover period will also be waived.
The offer only applies to the premium payments due from the UK business bank account for the Equipsme plan cover level(s) chosen.
This offer does not apply to the employee upgrades or adding of family during or after the initial selection window, under a Company with employees plan. Premiums will be collected from the first collection date at the normal monthly price via that separate Direct Debit.
This offer can be retracted at any time without prior written notice.