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For your business

Private medical insurance

With every employee key to the success of a company, it’s essential to help keep them fit, well and productive. So, we’ve designed healthcare plans to help do just that.

Help reduce absenteeism and presenteeism

Health problems can have serious implications for business. As well as time off work waiting for appointments and treatment, health worries can affect productivity and performance.

By having access to prompt private diagnosis and treatment, at a time that is convenient for company members and the business, employees can be back to health, happiness, productivity and work quickly with minimal hassle.

But it’s not just direct employees that can benefit from our corporate private healthcare plans. At PHC we give you the flexibility to cover others that are affiliated to your company, so you can truly protect all that matter most.

Corporate HealthCover4life offers four plans providing a wide choice of cover to suit your company requirements and budget.

Offering flexibility is the cornerstone of our philosophy at PHC, so we have developed the capability for corporate clients to mix and match benefits within their group plan.

Mix and match benefit options include:

  • Plan options
  • Hospital options
  • Excess options
  • Underwriting options 

To request a quotation or if you would like further information please contact your healthcare intermediary. If you do not currently have a healthcare intermediary, please contact us on 01923 770 000.

Choose from a range of plans

HealthCover4life offers four distinct plans with rich levels of benefits.

Additionally, the PHC Plus is available on Plans 1 and 2. This optional upgrade further enhances your cover by providing five extra benefits:

  1. Surgeon, specialist, anaesthetists’ fees paid in full.
  2. Extended choice of hospitals.
  3. Routine treatment and monitoring of certain specified chronic conditions.
  4. Private GP fees and GP minor surgery.
  5. Five Doctor@Hand consultations.

Please note that to enjoy the benefits of the Plus module all members of your group plan must be included on the Plus module.

For full details of the cover offered by these plans, including what isn’t covered and any limitations, please see comparison table.

We’re not just there to help when things don’t go to plan however. We’re also on hand to help keep members fighting fit and living life well. So, we’ve built an array of health and wellbeing services that support our members in doing just that. Plus, you can take comfort in knowing that all four plans benefit from the services as standard. Discover them here:

For full details of the benefits offered by these plans, including what isn’t covered and any limitations, please see the Corporate HealthCover4life Handbook.

Plan 1

Provides comprehensive cover for eligible in-patient and out-patient treatment. This includes benefit for psychiatric treatment, radiotherapy and chemotherapy and full cover for out-patient physiotherapy. Additional benefits include cover for parent accommodation, private ambulance trips, NHS cash benefits, full cover for physiotherapist, therapist, acupuncturist and homeopath treatment and newborn benefit.

Ways to tailor Plan 1:

Option a excludes all psychiatric cover and Plan 1 Plus and Plan 1a Plus provide additional benefits.


Plan 2

Provides comprehensive cover for the core in-patient and out-patient benefits. Additional benefits include parent accommodation, private ambulance trips and £1,500 per plan year for psychiatric treatment, physiotherapist, therapist, acupuncturist and homeopath treatment.

Ways to tailor Plan 2:

Option a excludes all psychiatric cover and Plan 2 Plus and Plan 2a Plus provide additional benefits.

Plan 3

Provides full cover for core in-patient benefits, out-patient CT, MRI and PET scans and radiotherapy and chemotherapy. Cover is included for psychiatric treatment and out-patient therapies treatment up to a combined overall limit of £1000 per plan year. Additional benefits include parent accommodation, private ambulance trips, home nursing and NHS cash benefits.

Ways to tailor Pan 3:

Option a excludes psychiatric cover.

Option b is a six week wait plan (excluding psychiatric cover) which means that if the treatment required as an in-patient, day-patient or as a surgical out-patient is not available on the NHS within six weeks of the date it is needed, then prompt access to treatment is available under the plan. Please note that excesses are not available on Plan 3b.

Plan 4

Provides cover for eligible in-patient treatment and day-patient treatment. Out-patient treatment is limited to two specialist consultations per year and £500 for physiotherapist, therapist, acupunturist and homeopath treatement. Psychiatric and additional benefits are not covered under this plan.

Hospital options

Our Directory of Hospitals lists the hospitals, day-patient units and scanning centres and other private healthcare facilities which you will have access to under our company private medical insurance plans.

These have been selected following a comprehensive assessment of their quality, value and range of services.


National directory

Our national Directory of Hospital lists in the region of 480 hospital and day-patient units in the UK. These include specialist centres offering oral surgery and cataract surgery, scanning facilities and psychiatric and rehabilitation units.


London Upgrade

If you choose our National Directory of Hospitals, you’ll be able to extend hospital cover to include 18 London hospitals and out-patient centres associated with them, by simply selecting the London Upgrade. The London Upgrade will incur an additional premium.

This optional upgrade can be selected for all members or individual members of your group plan. Just make sure that the upgrade is selected when you join us or at your renewal.


Specified Hospital List Option

There is also the option to select our Specified Hospital List. This carefully selected list provides medical treatment through two of the country’s largest networks of private hospitals – Spire Healthcare and Ramsay Health Care UK.

By working with just two hospital groups, we’re able to offer more competitive premiums.

Please note: If you select the Specified Hospital List, all members of your group plan will be required to have this option.


Please see the Directory of Hospitals or the Specified Hospital List for full details on the facilities and units covered by PHC.

Please note: The PHC Plus module is not available with the Specified Hospital List Option.

Excess options

A simple way to reduce the cost of your company plan premium is to introduce an excess.

We are able to offer complete flexibility enabling you to mix and match excess levels on your group plan. You may choose to have an excess for some company members and none for others.

We offer a range of excess options.

  • £100
  • £150
  • £250
  • £500
  • £1,000
  • £2,500

Please note: Excesses are not available on Plans 3b. Excess options on Plan 4 are £100, £250 and £500 only.

How does an excess work?

  • An excess is the amount of money you must contribute towards the cost of any eligible treatment each plan year.
  • The excess applies to each person covered by the plan in each plan year.
  • The excess is deducted from any eligible treatment costs you incur.
  • When a claim is made that involves an excess, we will pay the claim after we have deducted the excess amount.
  • The excess is a single deduction that is made regardless of the number of individual medical conditions claimed for in that plan year.
  • Should treatment continue beyond your plan’s renewal date then we will apply the excess:      
  1. once against the costs incurred before this date, and;
  2. again against the costs incurred on or after the renewal date. 

We will do this irrespective of whether the costs relate to treatment for the same medical condition.

Underwriting options

When you take out a company plan with PHC we will need to ‘underwrite’ the members of your plan. Underwriting is how we assess the risk and determine what cover will be available for each individual member of your plan.

Your company plan will be accepted on one of the following underwriting basis:

Moratorium (two year rolling)

This means that if a member on the plan develops a new medical condition after the plan starts, they are covered for eligible treatment.

They won't need to complete a medical declaration before joining. If the member had an existing medical condition in the previous five years, then membership is on the understanding that they may be able to claim for it (and specified conditions) after: 

  • they have been covered on the plan for two consecutive years as a member and;
  • they have been completely free of any form of treatment, medical advice, drugs or medicines or special diets relating to that condition for a consecutive two year period.

For further information and to discuss your options please contact your cover adviser.


Full medical underwriting

Each member on the plan will be required to complete a medical history declaration and, in certain circumstances, provide a medical report. We will then decide whether any exclusions for any medical conditions should be applied to their plan.

For further information and to discuss your options please contact your healthcare adviser.


Medical history disregarded

Medical history disregarded (often called MHD) is a form of underwriting offered to larger company schemes.

Under this option members (and dependants if applicable) are accepted onto the plan without the need to declare any medical history or sign a moratorium declaration. Any previous medical conditions members had before joining are eligible for benefit, subject to the terms and conditions of the plan the member is on.

For further information and to discuss your options please contact your healthcare adviser.


Continued personal medical exclusions switch

If you are currently insured, it may be possible to transfer your company plan on a continued personal medical exclusions (CPME) basis to PHC.

This means that we transfer each member’s current underwriting terms across to the new PHC plan rather than applying the moratorium or full medical underwriting as described above.

Please note that in order for individual members of your company plan to transfer on a CPME basis there must be no break in their cover. 

Additionally, it should be noted that as your company plan is transferring to a different plan, it may have different benefits and terms and conditions. It will only be the medical exclusions that were applied to individuals on your company plan by your previous insurer that will be continued under your new plan, not the previous plan benefits, terms and conditions.

For further information and to discuss your options please contact your healthcare adviser.