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Working as a contractor should mean that you enjoy a greater level of income than had you stayed a permanent employee. With this employment flexibility comes greater earnings capacity but also a greater degree of risk that your income could be disrupted by routine operation or unforseen illness – every day that you take off work is a day’s income lost forever and that’s where contractor healthcare packages can make all the difference.

Rather than endure costly delays caused by NHS waiting lists, contractors need reliable, good quality health insurance cover to leapfrog waiting lists, be treated in comfort and get back to work with a minimum of delay. This essential safety net can literally be self financing if it results in reduced time spent unable to turn up at your clients site for work.

Our partner WPA is an award winning health insurer, specialising in policies for the Self-employed and Professionals. Preferential terms for contractors and their families are available through Freestyle Accounting. You can arrange immediate cover via our dedicated contact and benefit from a generous reduction in on-going premiums. Applying directly to WPA will only attract this discount in the first year whereas the preferential terms through Freestyle will ensure that you benefit from this discount for the term of the policy.


How to Request a Personalised Illustration?

To receive a personalised illustration and advice on contractor healthcare packages from WPA representative Raymond Lamb simply send an email including your name, telephone number and email address to and he will be in touch.

Raymond will also tell you how you can further enhance the cover with Unlimited Out-Patient treatment, alternative therapy benefits, Worldwide Cover, Dental plans and Cash plans.

As your Account Director, I am happy to assist you at any time with questions or claims, and I’m available to review your cover to ensure it continues to meet your requirements.

(Raymond Lamb WPA, February 2008)

Contractor Healthcare Packages Testimonials

I chose the health insurance because I liked the flexibility of the policy allowing me to choose benefit components, starting from a well-defined base level. I also know I can amend this in the future if my circumstances should change.

I also liked the concept of shared responsibility which gave me the opportunity to keep costs low but still provide cover against prohibitive costs should this arise. No hospital restriction is also a benefit. The entire process of getting advice from Ray Lamb and progressing the application was excellent. No call-centres or second-hand involvement and getting quotes for alternative combinations of benefits was also very simple.

(AP, Chartered Engineer, April 2007)


I have been very impressed at the efficient, no fuss, service I have received when arranging my healthcare. On falling ill my claim was dealt with quickly and I received what I needed when I needed it – which as far as I am concerned is extremely important at what can be a stressful time.

As a contractor, without the backup and benefits of being employed by a large organisation, it is wonderful to be able to choose from a selection of contractor healthcare packages at a sensible rate. I really appreciated the personal touch of having Raymond Lamb as my own account manager to discuss my requirements and clarify the options available to me both at application stage and then again at renewal whereas its often so difficult to keep continuity of contact with other institutions I have had dealings with. This service gets a five star rating from me! 

(Nicola Edwards, Contractor, April 2007)