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That’s because it markets its individual and business medical insurance schemes only through specialist private medical insurance brokers like Chase Templeton. So you won’t be able to source a PHC health insurance quote on a price comparison site, or be able to buy direct from the insurer.

But don’t underestimate PHC’s proposition. The company’s policies are underwritten by AXA PPP Healthcare, one of the UK’s largest medical insurers.

It’s also not new to the market having been serving the health insurance need of both individuals and companies for some 20 years.

What’s more, PHC’s policies feature some attractive benefits.

Standard to its business health insurance schemes are 24-hour counselling, support and medical advice services. It also offers Working Body, a service dedicated to addressing musculoskeletal issues and which give members access to physiotherapy with the need to first see a GP.

Alongside its private medical insurance for business, PHC also offers dental insurance.

In addition, it health insurance portfolio is complemented by annual multi-trip company travel insurance, underwritten by specialist insurer ERV.

PHC’s choice of individual health insurance plans is a model of simplicity. The company offers four options. All offer core cover for consultations, diagnostics and certain treatment, with the entry-level Plan 4 offering a few additional benefits which include the 24-hour medically led Health at Hand advice service.

Plans, 3, 2 and 1 offer incrementally more benefits. These include a range of outpatient services such as psychiatric and physiotherapy treatments, with the premium Plan 1 also offering GP minor surgery and twins/triplets cash benefits

The benefits of all four PHC health plans can be compared via this simple A4 chart.

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