Some of the following points have been mentioned previously, but are also applicable here:
There is generally an excess(£100) to pay when you make a PMI claim – there is no excess to pay with EIS
There is no GP referral required with EIS
The employer will get a report at the end of treatment which gives details of the employee’s injury/prognosis which they wouldn’t get under a PMI policy
According to the CIPD Absence Management Survey 2011 employers do not believe that PMI plays a significant role in managing absence. Only 15% of private sector respondents cited PMI as one of the top three most effective methods of managing long-term absence.