health insurance

anyone got some sort of health insurance where they get a wage when off on the sick ? and how much do these cost ? wouldnt fancy getting injured being self employed

It's been on my to do list for 6 years now!

i've heard some horror stories, wouldnt like to go through it myself

I have a small one must check! it pays for the duration of time off, not a one off, I used to have a lump sum when I was employed and had a bike, but I worked out when I went on my own that I could only afford 1 policy and the 1 that payed a small amount for the duration of the time I was off would be better that a lump sum. The only problem is that I can't afford the premium for the top wack, so I will only have a little to keep me going!! but then a little would be better than nout!!

Get all your insurance (house,contents,car,phone,health etc) all from the same company if you can as they're more likely to offer you a better deal. Also makes it easier when you need to claim on anything!

It would be much cheaper for you to set aside an amount per week, paid into some form of interest earning account, then use this if the need arises.

The hassle of trying to pay a reasonable premium, then fighting to win your claim because the insurance company is squabbling about clause 95A/13.21 (dated 2010) in chapter 17 of the "Claims in February allowances", etc, etc.

Why not put in £30 a week until you've built a pot which can pay you reasonably for a period of four months? And when you've finished, keep this £30 a week up and use it for your pension.

Oh, if only I earned enough to think about insurance (of any sort). Can't even afford a cheap life insurance policy. Nor a pension. Nor my mortgage. Nor my ...

I put £40 away every week in my Van Probs/Things I Don't Want To Go Through PLI For Probs/General Unforeseen Issues fund for a number of months. And then I spent out loads over christmas, earnt almost nothing in jan/feb and spent it all on surviving. Now I'm back to zero in case of a rainy day. There's always suicide.

I have an aviva personel health insurance for the whole family it doesnt pay me anything if I dont earn but gets us proper health care when we need it.
I had a serious road accident about five years ago and broke about 20 bones (arms, wrists, feet and legs etc.)the ambulance took me to A & E put me on a stretcher and stuck me in the corner to wait for my turn (I was in agony) My missus called the insurance company that night and I was transfered to a private unit with all the help you could need.
I was back on my feet within 12 weeks. That service for less than £500 per year is well worth it.
Then its back to work and all the support you need

PS
dont have a crash and you will be fine

I think it really depends on what you can afford to pay, putting money aside to save up can be worthwile. If not take a look at a comparison website to get the best deal around on insurance