Permanent Health Insurance

Permanent health insurance (PHI) is the traditional name for income protection — a tax-free monthly amount when illness or injury stops you working. Compare leading UK insurers.

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Quick & Easy

No Obligation

Expert Brokers

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Income Protection provides cover if you can't work due to accident or illness. It does not cover redundancy or unemployment.

Let's check your eligibility first*

You need to work 16 or more hours per week to qualify for Income Protection

Yes, I work 16+ hours per week

No, I work less than 16 hours

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

33p

Per Day*

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

PHI, Explained Simply

The same cover you may know as income protection — and why it's called permanent.

Why It's Called Permanent

Once the policy starts, the insurer cannot cancel it or raise your premiums because of claims or new health conditions — the cover is guaranteed for the full term as long as you pay the premiums.

Pays Until You're Back On Your Feet

Full-term PHI can pay a tax-free monthly amount from the end of your deferment period until you return to work, retire or the policy term ends — even for claims lasting years.

Modern Income Protection

Today's insurers sell the same product under the name income protection, often with added support services. Comparing the whole panel finds the strongest cover for your job and budget.