Accident and sickness benefit
(choose between £300 to £1,500 monthly)
This is payable if you’re unable to work due to accident or sickness.
You’ll need to be off work for longer than your chosen waiting period (14 or 30 days) before the benefit will start. It’ll be paid for as long as you’re unable to work, up to a maximum of 12 months.
When your first payment is calculated, it’ll be backdated to the first day you were off work so you receive benefits for the full time you’ve been unable to work (up to a maximum of 12 months).
Example: John breaks his leg and stops working on 1 September. John submits a claim on 1 October as his policy has a chosen waiting period of 30 days. When he receives his first payment, it’s backdated to 1 September. He continues to receive a monthly benefit payment until he returns to work on 1 February.
(£30 to £150 daily)
If you’re hospitalised for more than 48 hours, you’ll receive this benefit for each additional day you remain in hospital.
The benefit will be equal to 10% of your chosen accident and sickness monthly benefit and is payable for as long as you remain in hospital, for up to 30 days each year.
Example: John spends five days in hospital after breaking his leg. His chosen accident and sickness benefit is £500, which means he receives a total hospitalisation benefit of £150.
(Not available to self-employed)
Include this benefit and the policy will pay you a monthly benefit if you become unemployed due to redundancy. That’s additional reassurance against the unexpected.
(£10,000 lump sum)
This is payable upon death and provides a valuable lump sum benefit to your family, which they can use to help safeguard their future.
Critical illness cover
(£10,000 lump sum)
This is payable upon diagnosis of a specified critical illness such as cancer, coronary artery bypass grafts, heart attack, kidney failure, major organ transplant, or stroke. You can use the money to make changes to your lifestyle, take time off work to recover, or even enjoy a relaxing break.