Your Personal Health Fund
The Personal Health Fund (PHF) is a pot of money that you can use to help pay for everyday healthcare expenses. The PHF is only available on Business Healthcare plans and Corporate Healthcare plans.
You start off with £75 in your fund each plan year after you’ve completed your online Health Review. Each time you improve your Vitality status, we’ll add another £50.
As long as you’ve got enough money in your PHF, you can use it to pay for all or part of the treatment and services listed on the following expenses page. This can be for you and any dependants on your cover.
If you have any money left in your PHF at the end of your plan year, we’ll carry it over to the next plan year as long as your employer renews your cover with this benefit.
You can accrue up to £1,000 per adult member in your PHF. After this, any annual or status-based increases will not apply.
There is no cash value if you leave your company plan or your employer cancels your cover.
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