Sorry Gordon, not clear on your answer, maybe i did not make myself clear.
if one is getting phi not through their employers policy, but their own policy, does this have a bearing on ESA(CR).??
I would check with your CAB or Welfare Rights, but the Decision Makers guide has the following entry.
Permanent health insurance 44723 Where the claimant 1. receives a payment under a permanent health insurance scheme and 2. had contributed over 50% of the premium then the payment is not deducted from ESA(Cont)
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems