Accident & Sickness insurance
Insurance cover can be arranged as
- an accident policy or
- a sickness policy or
- a combined accident and sickness policy
...and can be arranged by
- one person or
- a group of people
This type if Insurance Protection is particularly important for people who
- are self employed
- will not be paid by their employer after a few weeks
Cover
The policy covers you against accident or sickness or accidental death and income protection
Benefits
- In the event of Death – up to 5 x annual gross income
- In the event of Loss of eyes, limbs or Permanent Total Incapacity – up to 5 x annual gross income
- In the event of Temporary Total Incapacity – up to 66% of your gross income
Premiums
We arrange this insurance at highly competitive premiums on the basis of monthly installments.
What is not covered
The main exclusives are as follows
The Insurance will not pay where the claim arises from certain circumstances including:
- Any injury, sickness or medical condition existing prior to arranging cover
- Specified sports, including boxing, caving, martial arts, parachuting, motor racing, flying as a pilot etc.
- Abuse of alcohol, solvents, non prescribed drugs
- Suicide or attempted suicide