Welcome to PHC

Helping you to live life well

 

Thank you for being a PHC member

You can view and download your Membership Handbook, Directory of Hospitals and Important Changes Leaflet, where applicable, using the links below.

You'll also be able to discover the health and wellbeing services we offer and find out how to make a claim.

For details regarding your cover, please refer to your welcome or renewal letter and Certificate of Cover.

If you are unsure of your cover start date, group policy year or what HealthCover4life plan and hospital list you have access to, please contact your Group Administrator.

My group policy year started on or after

If your group policy started between 1 April 2024 and 31 March 2025 please find your policy documents below.

If you were a PHC member covered on HealthCover4life Plan 1, 2, 3 or 4 between 1 April 2023 and 31 March 2024 please refer to your plans Important Changes Leaflet below. This details the significant changes that have been made to the benefits available under the plan.

If your group policy started between 1 October 2023 and 30 September 2024 please find your policy documents below.

If you were a PHC member covered on HealthCover4life Plan 1, 2, 3 or 4 between 1 October 2022 and 30 September 2023 please refer to your plans Important Changes Leaflet below. This details the significant changes that have been made to the benefits available under the plan.

If your group policy started between 1 April 2023 and 31 March 2024 please find your policy documents below.

    If you were a PHC member covered on HealthCover4life Plan 1, 2, 3 or 4 between 1 April 2022 and 31 March 2023 please refer to your plans Important Changes Leaflet below. This details the significant changes that have been made to the benefits available under the plan.

    If you would like alternative formats of these documents or should you have any queries, please contact your Group Administrator or PHC directly. 

    Member Services

    Here you'll find useful information about the services that form part of your policy with us and what to do if you need to make a claim.

    For full details on what is and isn't covered, alongside any limitations, please refer to your Membership Handbook.

    We have created short introductory videos about some of our services for you.

    Mental Health Assessments and Support service

    Faster access to support and treatment for mental health conditions via our clinically led pathway. Without the need for a GP referral.


    Muscles, Bones and Joints Support

    Getting you to the right care for muscles, bones, and joints.

    Breast Cancer

    Making sure you receive the tests you need, quickly for any breast cancer worries.Making sure you receive the tests you need, quickly for any breast cancer worries.


    Skin Cancer

    Providing screening and diagnostic cancer services, helping to put you in control.

    Private medical insurance terms explained

    Private medical insurance has some confusing terminology used within it. To help you understand what we mean for some of these, we have created some short videos to help you understand.

    Chronic Conditions

    This video is designed to help you understand more about what we mean by a chronic conditions and provide practical examples of when we will or will not cover treatment of those conditions.

    Moratorium

    This video is designed to help you understand more about what we mean by Moratorium underwriting and provide practical examples of what we will or will not cover, and when this will be covered.

    Pre-existing conditions

    We call conditions you were aware of when you joined pre-existing conditions. A pre-existing condition is any disease, illness or injury that:

    • you have received medication, advice or treatment in the five years before the start of your cover, or
    • you have experienced symptoms of in the five years before the start of your cover: whether or not the condition was diagnosed.

    Making a complaint

    If you want to make a complaint, you can call us or write to us using the contact details below. To help us resolve your complaint, please give us the following details:

    • your name and membership number
    • a contact phone number
    • the details of your complaint
    • any relevant information that we may not have already seen.

    Please call us on 01923 770 000. Or write to: PHC Ltd, 32 Church Street, Rickmansworth, Hertfordshire, WD3 1DJ. Or email: this email address will be sent separately

    If you want to let us know how we’re doing, you can do so by leaving us a Google Review.