Permanent Health Company


    • Prices From: £14.83
    • No Claims Discount: No
    • Excess/Co-pay: Optional
    • Max Total Cover: Unlimited
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Permanent Health Company has been on a mission since 1994 to offer uncomplicated health insurance solutions in a market dominated by complicated and confusing plans. The plans offered by PHC are both compendious and competitively priced.

This company also strives to offer excellent customer service. It makes every step of the process - from buying a policy to submitting a claim - as quick and painless as possible. In fact, this is one of the few companies in the UK with round the clock daily phone support.

Healthcare Plans

Permanent Health Company offers a handful of unique health insurance plans that range from basic coverage to more encompassing coverage. The wide range of different options for each plan makes it easy for future policyholders to decide which plan best suit their needs.

There are several benefits and coverage options that are included with each plan as well. This includes coverage for hospital at home services; coverage for accompanying parents of minor children; cancer treatment; and surgeon and anesthetist fees. Each plan also offers cash benefits ranging from £100 to £200 per nightly stay in a hospital.

Plan 1:

Plan 1 is the most comprehensive and inclusive plan offered by PHC. Not only does it offer coverage for most inpatient and outpatient services, but it also includes coverage for private ambulance, psychiatry services, and up to 20 sessions of chiropractic, osteopathy, homeopathy, or acupuncture services. Policyholders that choose this plan will also receive a £200 cash benefit for each night spent in the hospital, as well as a £1,500 or £2,000 cash benefit for the birth of twins or triplets.

Plan 2:

Plan 2 includes coverage for most core inpatient and outpatient services. It also covers extensive cancer treatments and up to £250 of private ambulance service. Acupuncture, chiropractic, homeopathy, and osteopathy services are also covered up to £750.

Plan 3:

The majority of core medical services are covered under this plan, including inpatient services and some outpatient services. For example, this plan includes coverage for 28 days of psychiatric services and outpatient surgery.

Plan 4:

Plan 4 is the most basic plan offered by company, but it still covers the majority of core inpatient services. This includes surgery, recovery, and medications as well as diagnostic procedures. Outpatient services covered by this plan include radiation and chemotherapy as well as some home hospital services.


With Permanent Health Company, policyholders have a wide variety of hospitals to choose from. Each hospital in the Permanent Health network is chosen based on the services it offers as well as the quality and overall value of these services. Policyholders can rest assured that they’re receiving the best treatment from experienced and qualified healthcare professionals.

The London Upgrade Option also extends the base network of healthcare facilities that policyholders have to choose from. By paying a little extra to add this option to their health insurance plans, policyholders will be able to choose from eve more hospitals in the London area.

Discounts are also offered to some policyholders who choose to pay higher excesses. These discounts range from 10% to 50% off premiums for policyholders who choose excesses between £100 and £2,500. Discounts are also offered to policyholders who choose to opt out of coverage for psychiatric services as well as Plan 3 policyholders that choose the six week wait option.

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