Permanent Health Insurance (or PHI as it sometimes is referred to) provides income protection in the event that you are unable to work due to sickness or disability.


In seeking income protection there are two types:

  • Short Term Income Insurance - This cover will protect you typically up to 12 months (some providers may cover up to 24 months) and can be arranged to protect you financially in the event that you cannot work due to sickness, disability or unemployment.
  • Long Term Income Insurance - This cover will normally pay up to 50% of your salary tax free, and, unlike short term cover, this income can be paid up until your 60th birthday or until you are fit to return back to work. You are able to select the definition of work at the outset of the policy, for example your own occupation. This type of cover rarely covers unemployment and due to the fact that it is long term cover is more expensive but will offer more comprehensive cover in providing protection for you and your loved ones.

Permanent health insurance or long term income insurance can be arranged through our service below:

Short Term Income Protection - Online Quotes
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Short Term Income Protection InsuranceUp to £2,500 per month or 65% of Gross Salary (whichever is lower)Price Beat Guarantee - Widest Cover - Online QuotesGet Quotes >



Life Insurance Service - FREE Review of Existing Cover
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  • Existing Health Conditions - Special Life & Mortgage Protection Insurance Quotes Service
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