New Business Private Medical Insurance from 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.

PHC have been providing health insurance for over 20 years and if you have never heard of their brand name before then this could be due to the fact that they choose to sell their policies via intermediaries only and do not sell directly to the client.

PHC are part of the AXA global group of companies and their private medical insurance plans are underwritten by AXA PPP Healthcare. 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.

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

Excess levels start at £100 per year, then 3150, £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 company private medical insurance can be insured in different ways including:

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

You can also choose to add travel or dental insurance cover to the PHC private medical insurance for your employees if you would like to.

As you can see from the flexible options above, PHC know that there is no such thing as a standard private medical insurance policy and therefore 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

If you would like to have more information about a company private medical insurance scheme from PHC or any other UK provider the team at SMP Healthcare will be happy to help you understand the options available to you. Please contact us on 01245 929129 or via email on