Business Details
31 Years
experience
Private Medical Insurance Solutions for Businesses
At The Permanent Health Company, we have dedicated ourselves to delivering tailored private healthcare solutions for businesses and their employees since 1995. As part of the award-winning AXA Group, we combine three decades of health cover expertise with global financial strength to meet the unique needs of our clients. Our approach focuses on collaboration, innovation, and customer-centric service, ensuring businesses receive flexible plans that enhance employee wellbeing while reducing absenteeism.We continuously evolve our products to address emerging healthcare challenges, offering access to 480+ UK hospitals, 24/7 health support, and specialist services. Our commitment to excellence was recognised with a 5-star provider service rating at the 2025 Corporate Adviser Awards, affirming our position as a trusted healthcare partner for businesses nationwide.
Services
Private Medical Insurance
Health and Wellbeing Services
24/7 Health Support
Employee Assistance Programme
Specialist Appointment Booking
Details
- Year established: 1995
Highlights and features
- 30 years' experience as a health cover specialist within AXA Group
- 24/7 Health Support Line with clinical professionals
- Access to 480+ UK private healthcare facilities
- Tailored plans with flexible underwriting options
- Award-winning service with 90% client satisfaction rates
What people say
5-star provider service
24/7 Health Support
Tailored solutions
Award-winning service
Comprehensive coverage
Services
Private Medical Insurance
Our corporate PMI plans offer comprehensive coverage for in-patient and out-patient treatments across 480+ UK hospitals. Businesses can choose from four flexible plans with optional enhancements, including mental health support, cancer pathways, and chronic condition management. All plans include access to specialist consultations, diagnostic scans, and surgical treatments with no waiting lists.
24/7 Health Support Line
Round-the-clock telephone access to nurses, counsellors, and pharmacists for medical advice and triage. Available 365 days a year, this service helps members address health concerns immediately, with extended hours for specialist professionals. The service reduces unnecessary GP visits and accelerates appropriate care pathways.
Employee Assistance Programme
Confidential counselling and mental health services available to employees and families. Includes up to eight face-to-face or remote counselling sessions, online resources, and life management guidance. The programme addresses work-related stress, personal challenges, and mental health conditions through qualified professionals.
Specialist Appointment Booking
Direct access to private specialists without NHS waiting times. Our service coordinates appointments with approved consultants within preferred locations and timeframes. This ensures timely diagnosis and treatment commencement, with 90% client satisfaction rates reported in recent The Permanent Health Company surveys.
Health and Wellbeing Services
Integrated wellness programmes including physiotherapy assessments, cancer screening pathways, and health management resources. Features online health centres with NHS-approved information, dedicated nurse support for chronic conditions, and fitness discounts to promote proactive health management among employees.
People
Steve Bettridge
Managing Director
With extensive leadership experience in healthcare insurance, Steve oversees PHC's strategic direction and client relationships. He drives innovation in corporate health solutions while maintaining the company's commitment to service excellence and client-centric values.
Questions
What corporate healthcare plans do you offer?
We offer four flexible HealthCover4life plans with optional enhancements. These include hospital cover, outpatient services, and mental health support, with customisable excess and underwriting options.
How do employees access treatment?
Members receive direct referrals through our Specialist Appointment Booking service, access 24/7 clinical advice, and can use our physiotherapy and mental health assessment services without GP referrals for specific conditions.
Are pre-existing conditions covered?
Coverage depends on underwriting type. Moratorium underwriting provides eligibility for pre-existing conditions after two years without symptoms, while full medical underwriting assesses each case individually.
What mental health support is available?
Our EAP provides up to eight counselling sessions, 24/7 helpline access to mental health professionals, and online resources. Enhanced services include psychiatrist referrals and self-help tools through AXA-supported platforms.
How are claims processed?
Members contact us before treatment to confirm coverage. Claims require GP referrals (except specified conditions) and documentation submission. Excess amounts are deducted from eligible treatment costs upon claim approval.
Can family members be covered?
Eligible employees can extend coverage to partners and dependants under 25 through their corporate plan, subject to the group policy terms agreed with their employer.
