Do you know about PHC?


When it comes to buying private medical insurance, most people in the UK have heard about AXA PPP, AVIVA and BUPA but what about some of the smaller providers such as PHC.

PHC are a specialist provider of medical insurance plans and have been providing health plans for individuals, families and businesses for over 20 years.

It is very possible that you have not heard of PHC as they do not sell their policies in direct markets but instead they work with specialist health insurance intermediaries.

PHC are part of the AXA group of companies and their private medical insurance plans are underwritten by AXA PPP who are the UK’s 2nd largest medical insurer. You can be confident therefore when you deal with PHC that you are working with a business that is owned by a group with considerable expertise and financial strength.

PHC realise that the one size fits all model is not appropriate when it comes to medical insurance and happily work with their customers to develop and tailor solutions that meet their specific needs. At times this could mean designing bespoke benefits or developing flexible underwriting, administration or service solutions. Their focus is on the provision of quality cover, superior service and affordable pricing for our customers.

The PHC philosophy:

“Our whole philosophy is built around being different, responsive and agile to meet the often complex health insurance needs of customers.”

“At PHC we really do believe and practice that the ‘non-standard is our standard”.

Clients that PHC look after:

  • Individuals
  • Families
  • Small to medium businesses
  • Corporate businesses

Business clients

If you are looking to replicate components of your existing employee benefits package or seeking to introduce new elements, PHC offer a range of products and services, in addition to private medical insurance, which will enhance your employee benefit package such as travel and dental insurance.

With travel insurance consistently ranking in the top ten of most valued employee benefits, taking out a travel plan alongside your company private medical insurance scheme is a low cost way to add value to your employee benefits package.

PHC’s travel insurance plans are underwritten by ERV UK, the UK Branch of Europäische Reiseversicherung (ERV) A.G Munich, an ERGO Group Company, incorporated and regulated under the laws of Germany.

If you would like to know more about the private medical insurance plans offered by PHC or any of the other insurer providers, the team at SMP Healthcare will be happy to help you. You can contact us on 01245 929129 or email us on