Permanent Health Insurance (Income Protection)
Income Protection is also known as Permanent Health Insurance (PHI). This is an accurate description because whereas typical accident and sickness policies provide benefits for a limited period of time and may not be renewable if health deteriorates, PHI is cover for the whole of your working life or specified term.
This means no matter how many claims you might make, your cover is protected. This is often a comprehensive alternative to accident and sickness cover.
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