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I have a good medical insurance policy in place.  But until I hit retirement age (in 7 years), I want to implement a PHI policy, so that if I am unable to work, (due to serious accident or injury), then I will receive (typically) 90% of my current salary from my PHI policy.

 

Can anyone suggest a company who will provide this type of cover (and who pays out for a valid claim)?  The monthly premiums seem to be about 10% of one's monthly salary, so it'd be nice to find a policy with a lower premium.

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