Self Employed Medical InsuranceSelf employed medical insurance and self employed health insurance are brought to you in association with Norwich Union Healthcare. We have a range of self employed medical insurance policies. The self employed policies provide real health insurance flexibility and value for money. As a self employed person, our medical insurance products will provide you with suitable cover, with a name you can trust, at a price you can afford. Taking out self employed medical insurance is a great idea. Health insurance is really important when you’re self employed as you have to work for yourself and if you don’t work you simply won’t get paid and that’s why self employed medical insurance can be an important health insurance addition to the protections plans we offer our self employed clients. Health is the most important thing we have whether we’re employed or self-employed. Health insurance is great if you want to be treated quickly and by doctors of your choosing. This may not be possible on the NHS. Our self employed medical insurance and self employed health insurance policies will allow you to skip hospital waiting lists, allowing you to choose hospitals and arrange treatment at the times to suit you. Self employed medical insurance PMI is an important financial product and should be considered when looking at both your own priorities and family’s priorities and needs. Self employed health insurance will safeguard your health by giving you immediate access to doctors and physicians who can get you back on the road to recovery and get you back working. The dangers of not getting back to work if your self employed with no medical insurance is the loss of income whilst your medially unwell. In businesses where your self-employed health can have a huge impact on the self employed owner as he or she is often the main person keeping the business afloat. At Capital Fortune we understand the need for the self employed to get back to work and quickly. Our self employed medical insurance gives flexibility and allows you to opt in to the cover which best meets your needs. Our self employed health insurance, has two types of policy: We have self employed medical insurance on a full medical underwriting basis and also self employed health insurance on a moratorium basis. The difference between the two self employed medical insurance policies is simply based on how your existing medical history is handled by the self employed health insurer. With full medical underwriting, you'll have to give all the details of your past medical history when you actually apply for the self employed health insurance policy. Any Pre-existing medical conditions are usually excluded and this can be indefinitely or just for a defined period. (eg. 2 years) However, self employed medical insurers will provide a list of exclusions so you will know exactly what will be covered prior to taking out the health insurance policy. With a moratorium self employed health insurance policy, you don’t have to give you past medical history unless you have to make a claim. At that stage, the medical insurer will check the history and the claim will be honoured so long as you did not have the condition prior to the policy being taken out. The main issue between the two medical insurance underwriting systems being that with full medical underwriting you know exactly what is covered from the start of the health insurance policy, with a moratorium you don’t know whether you’ll be covered until you make a claim. It is also important to remember that self employed medical insurance does not cover all NHS services, for example, accident and emergency is not covered and you will need to be treated by the NHS in any emergency situation. It should also be mentioned that with some very serious conditions such as a stroke, heart attack or cancer you may not always receive treatment any quicker with self employed health insurance than you would by using the NHS. We can take you through all the options under our self employed medical insurance schemes and provide a tailor made solution to meet your requirements. We will also ensure its at a price which is right for you. Our medical insurance and health insurance policies all come with the following extra benefits to your cover: Access to a doctor 24 hours a day via the GP Helpline
Feeling under the weather? Find out what’s wrong via the online symptom assessor
A Health Planner that allows you to plan a healthy lifestyle
A Medical Encyclopaedia providing information on thousands of medical terms and conditions
A Stress Management section including a 24 hour stress helpline
Information on hospitals providing Children’s Services
Complimentary Therapy database holding information for around 4,000 approved complementary and alternative medicine providers
Hospital information and Consultant details for hospitals around the country
For further information on our self employed medical insurance and also our self employed health insurance plans call us today on Capital Fortune also specialise in Sickness Insurance for the self employed. If you need any assistance why not speak to one of our Mortgage Advisers by calling 0845 3 630 430 or Enquire Online. | 
