P for Permanent Health Insurance

Posted in : Supplementary Articles ROI on 9 January 2012
Louise Harrison
William Fry
Issues covered:

Louise Harrison writes:


Employers often offer Permanent Health Insurance (‘PHI’) as a benefit. PHI can give rise to problems where contractual documents do not properly delineate the extent and the limitations of PHI cover.

Two important lessons for employers are highlighted below.

1. Ensure that the Employment Contract does not describe a wider provision of benefits than that which the insurer will cover.

It is essential that the PHI policy be described accurately in the employment contract itself and in any handbook or ancillary documentation incorporated into the contract. Failure to do so may expose an employer to liability for which it is not insured.

In the UK case -

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This article is correct at 06/08/2015

The information in this article is provided as part of Legal-Island's Employment Law Hub. We regret we are not able to respond to requests for specific legal or HR queries and recommend that professional advice is obtained before relying on information supplied anywhere within this article.

Louise Harrison
William Fry

The main content of this article was provided by Louise Harrison. Contact telephone number is +353 1 489 6580 or email louise.harrison@williamfry.com

View all articles by Louise Harrison