PHC is monitoring the coronavirus outbreak very closely and will continue to do so.
We are following the advice set out by Public Health England and working closely with our parent company, AXA PPP healthcare.
Please see the below, before contacting PHC. If you are unable to find an answer to your query, we will be more than happy to assist.
Keeping your health on track
If you have a health concern and you’ve put off diagnosis or treatment, please don’t delay any longer. We’re here to help you keep your health on track.
Helping you get the support you need
Support in extraordinary times
Our Clinical Support Centre gives you access to specialist consultations for a range of conditions, from the safety and comfort of your own home. Call us and we’ll connect you to the right specialist.
Unlimited access to your online GP service
With Doctor at Hand, powered by Doctor Care Anywhere, you can see a GP safely from home by video or phone call, whenever you need to 24/7.
Subject to appointment availability and the Doctor Care Anywhere fair-usage policy.
Support for your mental health
Right now, looking after our mental wellbeing is important. So we’ve teamed up with Thrive – the app that helps you boost your mental wellbeing and build resilience – to offer PHC members a free subscription until 31 March 2021.
More services for you
Don’t forget, we have a range of health and wellbeing services to support you during these challenging times. From talking to a physiotherapist by phone to checking your medication with a pharmacist, it’s all at your fingertips for you to use.
Cash payment if you’re admitted to hospital
We’ve increased the NHS cash benefit payment by £100 per night until 31 March 2021. If you have any NHS in-patient treatment or NHS cancer radiotherapy or chemotherapy that we would have covered if you had had it privately, you can claim this benefit.
The overall NHS cash benefit limits have not increased; just the amount per night or per treatment. This applies to all individual and SME plans including those that didn’t previously have the benefit. You can also claim if you’re hospitalised for COVID-19-related conditions.
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Trusted sources of information about COVID-19
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Do you have questions about the new coronavirus which causes the illness COVID-19?
Visit the NHS' Coronavirus (COVID-19) (external link) for the latest NHS information and advice about coronavirus (COVID-19), including information on social distancing and changes to everyday life.
Use NHS 111 online (external link) to check if your symptoms might be coronavirus and what to do next.
For information on how coronavirus may affect your travel plans, please follow the guidance of the Foreign and Commonwealth Office (external link).
How can I help stop the infection spreading?
Follow NHS advice on social distancing (external link) which includes:
Do- Try to stay at least 2 metres (3 steps) away from anyone you do not live with (or anyone not in your support bubble)
- Wash your hands with soap and water often – do this for at least 20 seconds
- Use hand santisier gel if soap and water are not available
- Wash your hands as soon as you get back home
- Cover your mouth and nose with a tissue or your sleeve (not your hands) when you cough or sneeze
- Put used tissues in the bin immediately and wash your hands afterwards
Don't
- Touch your eyes, nose or mouth if your hands are not clean
What are the symptoms of COVID-19?
The main symptoms are a high temperature, a new, continuous cough and a loss or change to your sense of smell or taste. If you are concerned that you may have coronavirus visit NHS 111 online (external link) coronavirus service.
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Our customer promise
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- We’re committed to doing the right thing by you. Any reduction in claims costs compared to 2019* arising from delays in treatment due to the coronavirus crisis will be refunded in proportion to your premium paid.
- We understand how much uncertainty you’re facing at this time. More than ever, we appreciate our role in helping you look after your [and your members'] health and wellbeing.
- Though we can’t predict the future, we can plan for it.
- In the short term, we expect to pay lower claims as private hospitals focus on helping the NHS during the pandemic. When the crisis is over we expect to pay higher claims due to a catch up in treatment. Once normality resumes, if the value of our health insurance claims in 2020 and 2021 combined falls because of the current crisis, we’ll pass back to you, our customers, the difference compared with 2019.
- At this time, we expect to be able to pay any refunds to you before March 2022. The calculation will be verified by an appropriate independent auditor.
- This assurance applies to all individual members and small or medium-sized companies who had a PHC-branded private health insurance plan1 on the 1 January 2020 and any new customers who joined us before 1 April 2020.
- If you can’t get the treatment you’re eligible for now, we’ll still authorise it for you and, when the staff and facilities are available, you can have the treatment straight away. You just need to maintain your policy and current benefits.
1Refunds on SME plans are to the corporate group and not the plan members covered on the group’s policy.
*To see our T&Cs please click here.