Permanent Health Insurance

Telling us about a change in your employment circumstances

Changes to your employment could have an impact on the suitability of your plan. It’s important that you tell us about any changes to your employment status, the type of work you do and the amount you earn, as this may affect your plan.

If you have any questions once you’ve read this summary, or need any help understanding your options, just call us on 0345 640 1000, or +44 178 644 8844 if you’re calling from abroad.

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How your plan works

This plan is designed to provide an income after a defined period of time if an accident or illness prevents you from working.

This plan has no cash in value.

Things to consider

If there have been changes in your employment or earnings, you could find that your level of cover is no longer right for you.

Keeping us informed allows us to provide information to help you decide if your plan continues to meet your needs by:

  • Making sure your current level of cover is appropriate.
  • Explaining the effect of any change your employment or earnings may have.

If you’re looking at a replacement plan, make sure it meets your needs and has the right level and type of benefits. If you’re replacing your plan with a new one, it’s important it’s started before you cancel your existing one.

Protecting yourself from investment scams

Fraudsters are always out there and constantly changing their tactics. So, take a minute to find out how to stay ahead of the scammers.

What to do now

Give us a call on 0345 640 1000 or +44 178 644 8844 if you’re calling from abroad. 

We can’t give you advice or make your decision for you, but we’ll be happy to help you understand your plan and talk you through all your available options and their possible implications.

Alternatively, speak with a financial adviser - if you don’t have one, you can get details of financial advisers in your area at Financial advisers will charge you a fee for any advice they give you, but it will be personal to you.

We’re here 8am - 6pm Monday to Friday (except bank holidays) and happy to help in any way we can. Please make sure you have your plan number to hand when you call.