Will these policies cover me for accidents at work as well as sports accidents?
Yes, as long as you have been signed off work.
Is this type of cover the same as a sport-accident insurance policy?
No, these policies are very comprehensive. Instead of covering you just for football injuries / rugby injuries / motocross accidents etc, these policies will cover you 24 hours a day for illness and any accidental injury at home or at work, as well as from sporting activities.
Can I still get Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA)?
Yes, these can be paid in addition to your policy benefit for the first 6 months of a claim on Lifetime Cover, and for the entire length of a claim on Short Term Cover.
If I smoke, will this affect my premiums?
I have a very high-risk job and do high-risk extreme sports - will this affect my premium?
Are previous injuries and illnesses automatically excluded?
No. With Lifetime Cover, previous injuries and illnesses may still be covered, subject to underwriting. With Short Term Cover, you will not be covered for any condition that you have sought medical attention or advice for, two years before a claim.
Will I still be covered when I’m on holiday abroad, even for sports?
Is there a limit to how many claims I can make?'
No. As long as you maintain the monthly premiums there are no limits on the amount of claims you can make – even for the same injury. Please note: with Short term Cover you need to have been back at work for 2 years if claiming for the same injury or illness as before.
Is there a time limit on how long I can claim for?
Short Term Cover claims are limited to 12 months per individual claim, but Long Term Cover claims can potentially be paid indefinitely, right up until your occupational retirement age.
Will my premiums go up after a claim?
No. The amount of times you claim will not effect your premium.
Do I need to have a mortgage to be eligible for this cover?
No. Whether you have a mortgage, rent a property or live with family & friends, anyone can apply for these policies.
Why do I need accident & sickness 'Income Protection'?
Hundreds of thousands of people every year are signed-off work due to an accident at home, work, or through sport, or are signed off through long-term illness or mental health problems. The unfortunate reality for many is financial hardship, bad debt etc, as State benefits alone are not sufficient. If you have rent, mortgage and bills to pay, the most important asset you should insure is your body.
Won't the State look after me?
State benefits won’t provide you with enough money to get by comfortably. Whilst the Employment & Support Allowance (ESA) provided by the Government or Statutory Sick Pay (SSP) provided through your employer (if you are eligible) may be sufficient to help you manage in the short term, these benefits may not even be enough to cover your rent or mortgage repayments.
I already have sick-pay benefits at work. Do I need this cover as well?
Your employer’s benefits may only last for a certain period of time and you could be off work for a long time. Benefits from our policies can be tailored to start paying out when your employers benefits cease. Please contact us direct for a quote.