Business Health Insurance from The PHC

If you have a company and are looking at private medical insurance for your employees for the first time then The Permanent Health Company could offer you a great solution for your staff. Business Health insurance from The PHC offers you great cover from a smaller insurer.

The PHC have been providing health insurance for over 20 years. If you have never heard of their brand name before then this is probably because they only sell their policies via specialist brokers.

PHC are part of the AXA global group of companies and their private medical insurance plans are underwritten by AXA Health. Therefore, clients of PHC benefit in dealing with a smaller company who is dedicated to high levels of customer service who are underwritten by the UK’s 2nd largest medical insurance company. This provides clients with the peace of mind that Business Health Insurance from The PHC is a safe choice.

Policy options for Business Health Insurance from the PHC

PHC offer companies four levels of health insurance with National, London Upgrade or Specified hospital list options.

Excess levels start at £100 per year, then £150, £200, £250, £500, £1000 and £2500 per person are all available. The higher the excess level you choose to add, the lower the monthly premiums would be.

Underwriting is also available in different forms and your health insurance can be covered in different ways:

  • Full Medical Underwriting
  • Moratorium
  • CPME (Continued Personal Medical Exclusions)
  • MHD (Medical History Disregarded) for larger company schemes.

Benefit Add-ons for your Health Insurance

You can also choose to add travel or dental insurance cover to the health insurance for your employees.

PHC know that there is no such thing as a standard private medical insurance policy. They strive to offer their clients the benefits that are important to them without making them pay for additional benefits that they do not require.

The above information has been sourced from

Would you like more information about a business health insurance policy from PHC?  The team at SMP Healthcare will be happy to help you. We want you to understand all of the options available to you.

Please contact us on 01245 929129 or via email on