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Business health insurance for sole traders

  • Get fast access to private healthcare – helping you get back to work sooner
  • Get more value from your plan – reduce healthcare costs1 and earn money back
  • Get healthier, enjoy rewards and add family - all with your Vitality plan

Is health insurance worth it?

Here are some top benefits for sole traders or self-employed people - just like you.

You get quick access to treatment

When you’re self‑employed, even small health issues can slow you down.

Business health insurance gives you:

  • Fast access to diagnosis and treatment -without having to rely on NHS waiting time
  • Private specialists when you need them
  • Appointments that fit your schedule

You can add family to your plan

Whether they work in your business or not - you can add partners and children to your business health insurance plan.

So they can benefit from fast, private healthcare too.

It's easy: our expert advisers will help you tailor your business health insurance to include family members.

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You get healthier and save money too

Vitality helps you keep healthy, while you keep busy. You’ll get:

  • Tailored tips and tools - to check your health and improve it
     
  • Great savings on top brands – including Apple Watch, Expedia, Champneys and our gym partners Virgin Active, PureGym and Nuffield Health
     
  • And more rewards to choose from when you get active – like getting your steps in in, going for a run or hitting the gym
You could save over £2,000 in value every year2 with our savings and rewards.

Vitality takes care of you

And rewards you when you take care of yourself. Explore our cover and the benefits you'd enjoy with us.

What's covered with business health insurance?

Start with convenient, flexible, private healthcare - designed to keep you and your business moving.  

You get all this as standard

Unlimited virtual GP appointments

  • Speak to a GP quickly - in less than 48 hours
  • Get speedy referrals to specialists too

Mental health support

  • Up to 8 sessions of talking therapies - such as Cognitive Behavioural Therapy (CBT) and counselling, every year
  • 24/7 mental health support, online
  • No referral needed
  
  •  

Physiotherapy

  • Up to six sessions of physio within our network, every year   
  • 24/7 digital support
  • No referral needed
  •             

Cancer treatment, for all cancers

  • Following diagnosis - we'll pay all your eligible costs in full
  •                

Healthcare for your family

  • Add your partner and children to your plan (you only pay for the eldest child)3
  •   

No surprise hospital bills.

Vitality pays 100% of the costs for eligible in-patient and day-patient hospital stays

  • Hospital fees, nursing, drugs while in hospital, intensive care, operating theatre charges

  • Consultant fees (surgeons, anaesthetists, physicians—if the consultant is recognised by Vitality)

  • Diagnostic tests (blood tests, X-rays, MRI, CT, PET scans)
  •   
Out-patient surgeries – fully covered too4
  •    

Quick access to consultants

  • Find local consultants easy, on our app
  • Choose from top specialists with excellent results5

More care and treatment 

  • Home nursing, weight loss and corrective surgery, oral surgery, rehabilitation services
  • Private ambulance
  • Parent accommodation
  • Pregnancy complications cover

More money for your care

  • £100 for private prescriptions

  • £100 cash payment per child after you give birth or adopt a child6

  • £250 per night for overnight stays in an NHS hospital (capped at £2,000)

  • £125 each time you're admitted to hospital and discharged on the same day (capped at £500)

More support when you need it

  • Healthcare advice from a clinical advisor over the phone - available 24/7
  • Menopause support and advice

Understand your health, build better habits

  • With expert tools, tips and advice, made for you
  • Health checks every year
  
  •               

Enjoy brilliant discounts and rewards

  • Like 50% off a monthly gym membership. A joining fee will apply. 7
  • 50% off one pair of in-season running shoes each plan year, from SportsShoes.com
  • And up to 20% off four Expedia hotel bookings8
  • Unlock more rewards when you get active - like savings on Apple Watch9

And that's just a taster...

Terms and conditions for all Vitality reward partners apply.

Partner benefits are available for adult members aged 18 and over. Partner details correct as of July 2026.

Discover rewards from top brands

You can enjoy great savings and rewards. Check out some of our popular reward partners.

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New - Get a 25% discount on Oura Ring

Help better understand your sleep, activity, and recovery with 25% off Oura Ring 4 and 5. Terms and conditions apply. Offer ends 23 December 2027.
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The 25% discount applies to all Oura Ring 4 and Oura Ring 5 styles and finishes. While supplies last. Excludes all other products, styles, and finishes. Oura reserves the right to discontinue or modify this offer at any time. Offer not valid on gift cards, e-gift cards, taxes or shipping; other restrictions and limitations may apply. In the event of a return, refund shall not exceed amount paid. Offer may not be combined with other offers or discounts except as provided herein. Not transferable. Available in the UK only. Available online only at ouraring.com. Oura Terms and Conditions and Privacy Policy apply.

Build your perfect health plan

Choose the cover that supports you - so you can focus on running your business.

Let's take a look at your options

Add Optical, Dental and Hearing Cover

Claim back expenses for:

  • Eye tests and hearing tests
  • New prescription glasses, contact lenses
  • Hearing aids
  • Dental check-ups, appointments with a hygienist, treatments and emergencies

Boost your Mental Health Cover

  • Unlimited Talking Therapies including CBT and counselling.
  • Up to 28 days of in-patient treatment and 28 days of day-patient treatment

Add more Out-patient Cover

  • Unlimited physiotherapy within our network
  • Full cover for MRI, CT and PET scans
  • Cover for out patient consultations, consultant appointments and diagnostic tests (like X-rays)

Choose where you're treated and who treats you

  • Select a hospital option that suits you
  • Choose from a wide range of consultants, including our top-rated specialists

Add Worldwide Travel Cover

  • Cover up to £10,000 if your trip is cancelled or cut short (£50 excess may apply)
  • Emergency medical treatment, up to £10million
  • Travel vaccinations and medication, up to £100 each plan year
  • Cover for lost luggage and more

 Add Therapies Cover

  • Full cover for treatments including chiropractic, osteopathy and acupuncture - when you're referred by a GP or specialist
  • Plus, up to two consultations with a dietician - when you're referred by a GP or specialist

 Tailor your plan further

  • Choose an excess - what you and your employees pay per claim or each plan year
  • Select an underwriting option - how medical history is applied to your plan

What's not covered with business health insurance?

Like most insurers, we don't cover:

Long-term (chronic) conditions
Like diabetes and asthma, which require routine monitoring and treatment.

Pre-existing conditions
Some conditions you have before taking out your health insurance plan, may not be covered.
It all depends on your underwriting (how your medical history is applied to your plan).

Looking for all the cover details?

Business healthcare plan summary (IPID)
View terms and conditions
Lady with large pink ball

How much does health insurance for sole traders cost?

Costs do vary - but here are some helpful things to keep in mind: 

  • The cost can depend on your choice of cover and other details like your age and company location
     
  • Business health insurance can sometimes be more cost-effective than personal cover – depending on your business profile and underwriting

  • Your quote is just a guide price – we’ll help you build a plan that suits your budget
Get a quote in minutes

Vitality can help you save too

It pays to have business insurance with us.

Enjoy discounts and rewards

You get healthy discounts on top brands and more rewards when you keep up healthy habits. You could save over £2000 in value every year2

Switch and save

Have a health plan with another provider? We'll aim to beat your renewal price - so you get high-quality healthcare and better value.

Get money back each year

When you get healthier - up to 10% cashback10 on your annual renewal premium.

So how does it all work?

Here's how to get your plan and make the most of it.

Work with us

1. Get a quote online - it's super quick

Like the look of our business health insurance?

Person measuring dress

2. Tailor your plan to suit you

Next, our expert team will:

  • Highlight your core cover - fast access to GPs, mental health support and more

  • Add any options you're keen on - like Optical, Dental and Hearing Cover

  • Tailor your plan with you - adding family, setting your excess and your underwriting
Doctor speaking to patient on hospital bed

3. Access your private healthcare - easy 

Now your health plan is ready. You can:

  • Book GP, physio or mental health therapy appointments in a few clicks - no referral needed

  • Get referred to a specialist with instant approval for treatment

  • Choose your consultant, track your claims and access health advice - all in one place
Vitality lite rewards

4. Get healthier. Get rewarded.

Cover is just the start. Vitality is here to help you get healthier – and make it more rewarding to.  You get:

  • Personalised tips to improve your health - plus a Vitality HealthCheck11 every year

  • Discounts on top brands, from fitness trackers to spa breaks

  • And when you get active, you can choose more rewards - like cinema tickets or weekly coffees

Ready to take the next step?

Get a quote in minutes

Providing top-rated cover to over 2 million UK members

  • Defaqto 5 star expert rated for Private Medical Insurance, Individual category. 2012-2026

FAQs - business health insurance for sole traders

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1 Highly active Vitality members have 27% lower healthcare costs on average. Based on in-hospital cost-per-claim for Vitality members recording 4 or more active days per week on average, compared to those with an average of 0. VitalityHealth claims data 2021-2024. VitalityHealth Claims Insights Report 2025.

2 Annual saving based on a Vitality Plus member on Platinum status, and regular use of the weekly, 4-weekly and monthly Active Rewards, and a range of other partner benefits.

3 Only pay for the eldest child dependant (20 or under). All eligible adult dependants (21 or over) must be paid for.

4 Out-patient surgeries must be carried out at an eligible hospital or consultant’s specialist consulting rooms.

5 In 2024, members treated by Premier Consultants had, on average, 41% lower likelihood of being readmitted to hospital after treatment. Compared to members treated by Non-premier Consultants.

6 You're eligible for our Child Cash Benefit if you've had your plan for 10 months. 

7 A joining fee will apply. Each adult member on a plan can have one discounted gym membership at either Nuffield Health, PureGym or Virgin Active. Excludes Virgin Active Chiswick Riverside and Mayfair gyms. Available on certain gym membership packages only. See vitality.co.uk/rewards/partners/ for details of all eligible gyms. Terms and Conditions apply.

8 Available on prepaid bookings on the net price only and excludes taxes and other charges. The discount applies to the first £750 of each booking. One room per booking. Hotels must be booked via the Vitality Member Zone.

9 Credit agreement, qualifying plans, T&Cs apply

10 Earn up to 10% cashback when your employees get healthier with Vitality. Cashback amounts is based on your average status – Bronze 0%, Silver 2.5%, Gold 5%, Platinum 10%. Earn cashback every time you renew your cover.

11 The principal member can have one Vitality HealthCheck without charge, per plan year. All other adult members on a plan are eligible for a Vitality HealthCheck available at £15.