Do You Need Health Insurance as a Freelance Hairdresser?

By Dean Laming on July 12th, 2023

Embarking on a career as a freelance hairdresser can be an exciting adventure, but it also comes with important responsibilities—like securing health insurance.

You’re never guaranteed from illness or injury, and as a self-employed professional, having a protection plan in place is crucial.

In this article, we’ll explore why investing in health insurance and hairdresser insurance are smart moves for freelance hairdressers. We’ll explore how it can protect you from the financial pitfalls of unforeseen medical expenses and provide the security you need to continue your work confidently.

1. Why Health Insurance Matters for Freelance Hairdressers

As a freelance hairdresser, you are your boss, which means you manage all business aspects, including health insurance.

While it might be tempting to skip this expense to save money, adequate health insurance coverage is crucial for several reasons. Firstly, it ensures that you can access medical care without being burdened by high costs or long waiting lists associated with the National Health Service (NHS).

Secondly, it offers peace of mind knowing that if an illness or injury occurs unexpectedly, you can focus on recovering without worrying about the financial consequences.

Moreover, as a self-employed hairdresser working closely with clients and handling chemicals daily, there is always a risk of accidents or occupational hazards such as allergies and skin conditions. Suitable health insurance coverage can help mitigate these risks and protect your physical and financial well-being.

2. Types of Health Insurance for Self-employed Hairdressers

There are various types of health insurance plans available for self-employed hairdressers depending on their needs and budget:

  • Individual Private Medical Insurance (PMI): This type of plan covers the cost of private medical treatments not covered by the NHS. It offers access to specialists and elective procedures faster than public healthcare services.
  • Income Protection Insurance: If an illness or injury prevents you from working for an extended period, income protection provides a replacement income during your recovery period.
  • Critical Illness Cover: This policy pays out a lump sum upon diagnosing specific serious illnesses such as cancer or heart attacks.
  • Accident & Sickness Cover: A more comprehensive option than critical illness cover, this policy provides financial support if you cannot work due to an accident or sickness resulting in loss of earnings.

3. Understanding the National Health Service (NHS) Vs. Private Health Insurance

The NHS provides free healthcare services for all UK residents, including routine and emergency treatments and maternity care. While it offers access to a wide range of services, the main drawback is the potential waiting time for non-urgent procedures and specialist appointments.

On the other hand, private health insurance allows you to bypass these wait times by accessing medical care in privately-owned facilities. It can also grant you more choices when selecting doctors or healthcare providers. However, private insurance usually does not cover pre-existing conditions or non-essential treatments such as cosmetic surgery.

4. Cost Comparison: NHS and Private Health Insurance Plans

While private health insurance costs vary depending on factors like age, coverage needs and chosen provider, freelancers should expect to pay a monthly premium ranging from £20 – £200 per month. This is significantly cheaper than relying solely on NHS services which could result in longer waiting periods and limited treatment options.

5. Assessing Your Health Risks and Coverage Needs

Before purchasing health insurance, consider your personal risk factors such as age, family history of illnesses and lifestyle habits like smoking or excessive alcohol consumption. Additionally, consider whether you require coverage for specific treatments or therapies related to your occupation (e.g., dermatological issues caused by handling chemicals).

6. How To Choose the Right Health Insurance Provider

When comparing different insurers’ offerings:

  • Check their financial stability through rating agencies.
  • Consider their reputation for customer service.
  • Review their policy exclusions carefully.
  • Ask about any additional benefits that may be included with certain plans.

7. Top Health Insurance Providers for UK Freelance Hairdressers

Some popular providers offering health insurance explicitly tailored for self-employed individuals include AXA PPP Healthcare, BUPA International, VitalityHealth and Aviva UK.

8. Navigating Waiting Periods and Pre-existing Conditions 

Most insurers impose a waiting period before certain benefits become available, ranging from a few weeks to several months. If you have pre-existing conditions, ensure the policy offers coverage for these ailments or be prepared to pay additional fees.

9. Health Insurance and Maternity Leave for Freelance Hairdressers

If you plan to start a family, consider adding maternity leave coverage to your health insurance plan. This will provide financial support during your time off work and may also cover prenatal care costs like scans and tests.

10. Tax Implications of Health Insurance for Freelancers In The UK

Tax deductions for health insurance premiums are unavailable in the UK, although other business-related expenses, such as salon rent or equipment, may qualify for tax relief.

Contact Salon Saver Today

As a freelance hairdresser, you face unique challenges that could impact your health and finances. Without the protective umbrella of health insurance, a sudden health concern could put you out of work for an unforeseeable time, possibly leading to loss of income and mounting medical bills.

So, while health insurance may seem like an extra expense as a freelancer, it’s an investment in your well-being and peace of mind. With the right hairdresser insurance and health insurance, you’re safeguarded against unexpected health issues and professional incidents, ensuring you can bounce back faster and resume your career without being burdened by medical expenses.

Contact Salon Saver to learn more about hairdresser insurance can be right for you.

Please note that Salon Saver does NOT provide health insurance policies.

Dean Laming

Dean Laming is a Chartered Insurance Broker with more than 25 years insurance experience. Through various underwriting, operational and management roles, Dean has built up extensive knowledge of the hair and beauty sector and is now Managing Director of Salon Saver, part of the wider Henry Seymour Group.

All articles by Dean Laming

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