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How do freelancers/the self-employed prove their income for private health insurance?

Understanding the income proof required for freelancers/the self-employed to join private health insurance.

Katrina avatar
Written by Katrina
Updated over 2 weeks ago

Income requirements for private health insurance

To qualify for comprehensive private health insurance, you must meet the required income threshold.

When you submit your application, you'll need to provide documents that confirm your eligibility.

Here’s what you need:


1. Work contracts or letters of intent

These documents must include:

  1. Start date: The date when your collaboration begins.

  2. Duration: How long the agreement will last.

  3. Salary details: Hourly/daily rates and expected working hours, showing your income meets the threshold for the next 12 months.

  4. Signatures: Both you and your client must sign the agreement.

If you work with multiple clients, you can submit several contracts to demonstrate your eligibility.

2. Bank statements

Personal bank statements for the last three months. This is required to verify a consistent income flow that aligns with your contract details.

Proof of savings will not be accepted regardless of the amount. Evidence of a constant income flow is required.

3. Optional supporting documents

We understand that proving income proof can be challenging depending on your profession.

In these cases you can provide supplementary information to strengthen your application in addition to the required documents, such as:

  • Invoices

  • Paychecks

  • Business plans

  • Recent tax assessments

  • BWA statements


What happens if I can't prove my income?

If you cannot provide the required proof of income, you will not be able to switch to private health insurance.

You can check out Feather's recommendation tool to see what other health insurance options are available to you.

Once you are able to provide the required income documents, our team will assist you in transitioning to private health insurance from your current coverage.

Do you have more questions or need personalized advice? Don't hesitate to reach out to our team.

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