Is health insurance tax-deductible for the self-employed?
Whether a health insurance premium is deductible depends on HMRC rules and how your business is structured.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
Sole traders' expenses generally need to be wholly and exclusively for business. Limited companies have separate rules for benefits.
Speak to HMRC or an accountant for your situation; we do not provide tax advice.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: hMRC guidance on allowable expenses; your business structure; professional tax advice.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.