Life happens
We've got your back
Hospital stays. Time off work. Unexpected loss. Our simple, accessible plans provide you and your family support when you need it most.
Cash benefits
when you end up
in hospital or A&E
How the plan supports you
Hospital visit or appointment?
Get at least £25 for a hospital outpatient visit or appointment, up to two per year, even if it's just a blood test. You can cover your loved ones as well for an additional cost.
Football accident lands you in hospital?
We'll pay up to £250 per overnight stay, so that's one less thing to worry about. Choose a level of cover that suits your needs. You also get access to our Virtual GP for ongoing support.
Starting from
Financially support your family if the worst happens
How the plan helps your family
Is your family prepared for when you’re gone?
Your family receives up to £20,000 if you pass away. In case of an accidental death, the payout doubles, up to £40,000, to ease the financial burden.
Care for your loved ones, even at the end
If you’re diagnosed with a terminal illness, securing you and your family's future is crucial. The benefit is paid directly to you. Up to £20,000 to use as you need and wish.
Starting from
Understanding our plans
Whether it’s your only cover or in addition to your health insurance, our Hospital Plan gives you cash support, so you can focus on your health.
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Cash paid directly to you for overnight hospital stays
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Spend it however you choose
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Premiums don’t increase with age
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Can complement your health insurance
Our Death Plan is a simple, flexible way to support your loved ones when you no longer can — helping to relieve your family’s burden during a difficult time.
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Receive a fixed tax-free cash payout when you pass away
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To be used as you or your loved ones wish
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No medical or health checks
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Covers pre-existing conditions (after 12 months)
Some important facts
of adults in the UK had at least one longstanding illness or condition
Health Survey for England, 2022 Part 2 (NHS)
Of households lack the savings to withstand a 25% drop in income
Impact of increased cost of living on adults across Great Britain: July to October 2023 (ONS)
On average someone in the UK is diagnosed with cancer
Cancer incidence statistics (Cancer Research UK)
Trusted by over 100,000 workers across the UK
We have 40 years of experience helping people just like you.
Experiences from workers like you
I've been with PG for nearly 10 years. The new online claims form makes it really easy to make a claim, if there's ever a problem a call to their customer services sorts the problem out for you. I would highly recommend PG to everyone just brilliant Thanks !!!!
We all hope that we never have to use these services but alas sometimes we do. I would highly recommend personal group to anyone who is looking for an insurance provider for a wee bit of peace of mind when a medical emergency arises.
1st class company and policy. Easy website, helpful staff knowledgeable and friendly. Claim paid quickly too
I joined PG as my wife had no health plan 1 month later she was sent to hospital emergency operation she made a claim and was paid very easy happy wife
Had the plan for some time now. Claimed for an outpatient blood test. Online form was easy to complete. Uploaded appointment confirmation and that's it! Up to date progress by email and quick payment too.
(...) i was in hospital and off work for two weeks with pneumonia and a casrdiac event. My claim was completed and paid out within a week including bank holiday i was worried about loss of wages but it wasnt an issue due to my claim thank you so so much.
Why choose Hapi Protect?
We've got your back with our direct cash payouts.
Quick support
Cash paid directly to you, fast. No hassle, you’ve got enough to handle.
No fine print
Clear cover, no surprises. You’ll always know what you’re getting.
Accessible for everyone
Plans for less than £10 per month, and you can take it with you if you change jobs.
We are here to help
Any questions? We are happy to help.
I already have cover elsewhere. Why do I need Hapi Protect?
Hapi Protect works alongside any existing cover you have. Our plans provide cash payouts directly to you, giving you additional financial support on top of your current policy. Whether it's extra help with bills, groceries, or other unexpected costs, it's your money to use as you see fit.
I already get sick pay. Why do I need this?
Sick pay may give you a reduced income, but it may not cover extra costs like travel, parking, or bills. Our plans can help with these and can be claimed even if you're on full pay.
I have pre-existing conditions. Will these be covered?
If you have pre-existing conditions, they won't be covered immediately when you join but will be covered after a qualifying period. New conditions are covered immediately. For full details on what conditions apply, visit the Hospital and Death Plan pages to see what is covered. If you are uncertain on what is covered call our Customer Hapiness Team to find the best plan for your needs.
Send us an email or call our Customer Hapiness Team at 0800 542 5930.
Lines are open Mon-Fri 8:30am-5:30pm.