Private Healthcare Insurance (PHI) for Employees

Private Healthcare Insurance (PHI) is a type of insurance that provides coverage for medical expenses incurred by an individual. It is not compulsory for clients to offer PHI to Employer of Record (EoR) workers unless required by law in a particular country, but it is necessary for expats and immigrants who need insurance for their Visa or Work Permit. In this article, we will discuss the options for obtaining PHI for workers and the role of the client in this process.

PHI is important for workers because it provides them with financial protection in case of any medical emergencies and cover can often be extended to partners or dependents. It covers the cost of medical treatments, hospital stays, and other related expenses. Without PHI, employees may have to pay for these expenses out of their own pockets, which can be a significant financial burden.

If the client does not want to provide PHI as an employee benefit, you can obtain your own PHI policy independently. This means that you will have to pay for the policy personally, without any contribution from the client company.