How you can apply for cover

If your company would like to take out a HealthCover 4 Life plan or would like further information on our products, please contact your financial advisor.  If your company does not currently have a financial advisor please contact us for further details.

Your company policy will be accepted on one or more of the following underwriting terms:

• moratorium

• full medical underwriting

Full information on the moratorium and full medical underwriting is contained in the leaflet “Your Guide to Applying for Cover” please click here to view this document.

• cpme (continued personal medical exclusions) switch

If your company is currently insured it may be possible to transfer on a cpme (continued personal medical exclusions) switch basis to PHC.   This means that we transfer the current underwriting terms across to the new PHC policy rather than applying the moratorium or full medical underwriting as described above. If your company is interested in this option please contact your financial advisor.

Please note that when your scheme transfers from one private medical insurer to another, with no break in cover, then your scheme is transferring to a different policy with different benefits, terms and conditions.  It is only the medical exclusions that were applied by the previous insurer that will be continued under the new policy, not the previous policy benefits, terms and conditions.

• mhd (medical history disregarded)

This underwriting basis may be available for larger schemes. Please contact your financial advisor for further details.