Freelancers and contractors in Drayton, Cosham and Eastney can’t afford long lay-offs. A targeted plan delivers fast diagnostics, consultant access and mental health support—without draining cash flow.
Must-have benefits for the self-employed
- 24/7 virtual GP + quick referrals: Keep projects moving.
- Outpatient diagnostics: Rapid MRI/CT, bloods, and specialist consults.
- Musculoskeletal & mental health: Physio + counselling to stay resilient.
- Annual health checks: Catch issues before they disrupt work.
Keep premiums lean
- Choose an outpatient cap: e.g., £1k–£1.5k suits many solo workers.
- Pick an annual excess (£200–£500): Cuts monthly cost while manageable.
- 6-week NHS wait option: Major savings while retaining speed when it matters.
Local smart routing
- Cosham (QA) private pathways: Shorter queues for scans/consults.
- Drayton families: Add dependants for better per-head value.
- Eastney freelancers: Virtual GP + evening clinics fit flexible schedules.
Buying checklist
- Hospital list includes Portsmouth & Southampton?
- Excess is per policy year, not per claim?
- Add-ons (dental/optical/mental health) truly needed?
FAQ
Can I expense my premiums?
Speak to your accountant—there may be tax implications depending on business structure and cover type.