PHC

About PHC

About PHC

Your medical insurance partner

PHC is a specialist provider of medical insurance plans, and only works with selected advisers. They are owned by the global AXA group, giving you confidence of dealing with a business that is owned by a group with considerable expertise and financial strength. As PHC operates independently they are able to offer a personalised and nimble service.

Why choose PHC?

PHC aims to be different, responsive and agile to meet the often complex health insurance needs of customers.

PHC is happy to work with customers to develop and tailor solutions that fit their specific needs.

PHC looks to build long term relationships with their clients.

What else does PHC provide to their clients?

Dedicated claims team: PHC’s in-house claims team has a high level of expertise, with specialist teams within AXA PPP healthcare they can turn to if the need arises.

Working Body: Suffer from back, neck and muscle problems but can’t get to a GP? Call Working Body to see a physiotherapist and get the care you need fast.

Plus benefits option: Available on cover levels 1 and 2:

  • Fund for private GP expense
  • Online GP
  • Out of network hospital upgrade
  • Routine treatment / monitoring of specified chronic conditions
  • Surgeon, specialist and anaesthetists fees paid in full
  • Counselling and support service
  • Self-help, online counselling, telephone counselling or face-to-face counselling.
  • Also provides expert guidance on everyday matters such as legal and financial concerns, relationship issues and consumer rights. 
  • Support for managers to help better support the mental health of their team members.
  • ‘Stronger Minds’ – seek mental health support without a GP referral

Includes a range of special offers on health products, technology and wellbeing services, with exclusive offers throughout the year for AXA customers.

  • 25% off health assessments
  • Discounts on wearables, vitamins and supplements
  • Up to 50% off PureGym membership

CPME medical declaration 

If you would like to consider moving your company’s group medical insurance plan, please read the following. 

This page sets out the medical declaration for the recommended health insurer. As the group secretary for the plan you will be required to answer these questions to the best of your knowledge.

Should you answer “yes” to any of these questions, we will require full details of treatment and will refer the information to the insurer’s underwriters for their consideration.

  1. To the best of your knowledge has anyone to be insured on this group scheme suffered from any condition relating to or arising from heart, stroke, cancer, or mental illness (including depression) in the past two years? 
  2. To the best of your knowledge is any member currently undergoing, or expected to undergo in-patient or day-patient treatment (private or NHS)? 

If you become aware of any changes to the information provided prior to the start date of the policy, you must notify us as this may affect the terms offered by the insurer.

Member eligibility 

This page sets out the group member eligibility rules for this insurer:

All SME policies are intended to cover employees, directors and any other nominated people who work in an active trading company based in the UK, with legal status that allows them to contract with PHC. Eligible members shall be the individuals currently employed by the group (and / or a company group) and accepted by AXA PPP healthcare (as the underwriters of PHC’s plans) as members under the plan or any other category of alternative members as set out in the certificate of insurance. 

  • All premiums must come from the company bank account.
  • The company must pay the premiums for all employees. They may deduct from salary the premium for any dependents but must not deduct the premium for the employee from salary.
  • Employees must be PAYE and actively work for the business and P11d contributions must be met.

However, in certain cases this won’t apply as they don’t take a salary i.e.

  • Registered company directors – we will need the director’s name to check against Companies House to make sure they are registered as a director.
  • Company partners (i.e. someone who part owns the business) and LLP (Limited Legal Partnership) – we must confirm on the phone to PHC (so recorded) or in writing that the person holds an executive role within the company.
  • Shareholders – we will need confirmation this individual has a significant role within company (the individual cannot just hold shares in a company).
  • Sole traders – as long as the individual contracts to the relevant company and does not work for any other business, then they can be included.

All group members must be permanently resident in the UK.

Please speak to your consultant if you would like to provide cover for anyone that falls outside of this definition as we may need to seek authorisation from the insurer.