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Permanent Health Insurance (PHI) or Income Protection provides an income when accident/illness prevents you from carrying out your normal occupation.

The maximum cover you can have is 60-70% of your provable income and as the benefits are paid tax free you will find that you are only a little worse off than you were before. This is deliberate so you have an incentive to return to work.

The policy will payout up until your normal retirement age or until you either make a full recovery or return to work.

Payments commence after a waiting period (deferred period) which can be set between 4 to 104 weeks. This is to coincide with any employment sick benefits you currently have in place so this policy can pay out at the point when your employment benefit stops. This type of policy is not designed to cover you for the flu but more serious and long term sickness.