LONG-TERM COVER – no time limits on claims.

Peace of mind.

Unlike other policies on the market, this policy offers Day 1 cover for all occupations covered, including high-risk jobs at no extra cost.
All high-risk and extreme sports and activities are also included at no extra cost.

Pays up to 65% of your income tax-free:

Whether you’re employed or self-employed, you decide the amount of monthly tax-free benefit you need, up to a maximum 65% of you earnings. Statutory Sick Pay (SSP) through your employer or Employment Support Allowance (ESA) from the State can be paid on top of your benefit for the first 6 months of a claim.

Comprehensive cover:

Your benefit will be paid for whatever reason that you are signed off work; from any illness and any accident, whether at home, work, or from sporting activities (including the high-risk adrenalin rush types!)

Guaranteed continued cover after a claim:

This is a fantastic benefit of this policy as it enables you to claim for the same injury or illness immediately after a claim. This is especially valuable for people who do amateur sports as without this feature many people may give up their favourite sport rather than run the risk of being unable to work again.

Choice of waiting periods:

You decide how long you want to wait before being eligible to claim your benefit. Choose from Day One cover and 4 weeks. Longer waiting periods are available if required.


Premiums are not dependent on your sex, job or smoker status. No matter how many times you claim, the premium for your chosen benefit will only increase by a pre-defined amount as you get older.

Other details:

You can claim as many times as you need to, even for the same illness or injury.

Pre-existing injuries and illnesses may be included, subject to underwriting.

There is no cash-in value at any time, and you may cancel the policy at any time without charge.

Applications are completed over the telephone with one of our friendly agents.

Applications and claims are subject to underwriting.


Apply forLong Term Cover

5 good reasons to take out this cover


“It will never happen to me”

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Ensures you can pay your bills

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Allows you to play with peace of mind.

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Protect your lifestyle

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Covers you at work too

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