If your work offers private health insurance through an employee benefits package, it's unlikely that you'll need to take our private health insurance yourself. Just make sure you check exactly what you're covered for through your work, as your policy may not cover what you need it to. If you're after health insurance that covers optional extras like dentistry or physiotherapy, your policy through your work may not cover this. If you are self-employed you lose some of the benefits of being an employee. However, taking out private health insurance can prove valuable to you as you can chose when and where you're treated, so your medical care can be flexible to work around your schedule.