Income Replacement /
Permanent Health Insurance (PHI)
Who should consider
Income Replacement / PHI?
An insurance policy that pays out a pre-arranged lump sum or percentage of your salary/income after a deferment period (usually 13, 26 or 52 weeks) should you be unable to work due to ill health in either your own profession or in any profession.
The longer the deferment period, the lower the premiums.
Payouts will last until normal retirement age or until fit to return to work or alternative employment.
There may be a requirement for you to have a medical to ascertain your current state of health; your premium and any loading will be based on the results. The insurer would normally pay the cost of this medical.
Why buy Permanent Health Insurance (PHI) / Income Replacement?
- Protection of income when off sick for long periods of time
- Protection of your ability to meet the day to day costs of daily life
PHI/Income Replacement
International
Medical Insurance
Online
Family / Individual Quotation
Berwick
Devoil Healthcare Limited, The Old Winery, Lamberhurst Vineyard, Lamberhurst,
Kent TN3 8ER
tel: +44(0)1892 891900 fax: +44(0)1892 891892 email: enquiries@bdhl.co.uk
Berwick Devoil Healthcare Limited is authorised and regulated by the
Financial Services Authority
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