Permanent Health Insurance

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Short Term Sickness Insurance

Long Term Sickness Insurance

Permanent Health Insurance

This is insurance that will pay you a replacement income if you cannot work through illness or accident.

Long-term illness is something most of us don't think about but figures show that every year more than 670,000 men aged between 40 and 64 are absent from work for more than six months because of it.

A lot of people suffer financial hardship as a result and the state offers only minimal help for those eligible for income support. Eligibility for incapacity benefit is strict. After 28 weeks of illness claimants must undergo a test checking their ability to do some form of work. Even if they qualify, benefits are very low and they are taxable.

Permanent Health Insurance (PHI) is the answer. PHI is also sometimes known as Permanent Income Protection insurance, long-term disability insurance, disability income insurance or personal disability insurance.

Permanent Health Insurance pays a regular amount to protect your standard of living if you suffer long-term sickness or injury. Benefit usually starts after an initial waiting period of four, 13, 26 or 52 weeks and it is payable until you return to work, die or the policy term expires, whichever happens first.

It's called permanent because the insurer may not cancel the policy no matter how often you claim for benefit, although policies usually expire when the policyholder reaches 60 or 65. Insurance companies will not normally write new policies for applicants within five years of these age limits.

If you are looking for permanent health insurance it's crucial you get the best policy to suit both your budget and your needs. In these days where the concept of a job for life with all its associated benefits has vanished it is now more important than ever to insure against risks.

We at UKinsuranceNET work with leading UK insurance companies, ensuring that you not only have the best cover but also obtain an excellent quote. Speak to one of our highly experienced consultants today on 0844 875 55 33 or fill out our online quote request form and one of our advisors will contact you.