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What Is Accident & Sickness Insurance?

Accident and Sickness Insurance, also known as Income Protection Insurance, is a type of insurance policy that provides a regular income to the policyholder if they are unable to work due to an accident or illness. This type of insurance is popular in the UK and can provide peace of mind for those who rely on their income to pay bills, mortgage payments, and other expenses.

Accident and Sickness Insurance typically provides coverage for a wide range of illnesses and injuries that prevent the policyholder from working, including back pain, stress, cancer, heart disease, and more. The policy may also cover partial disabilities or temporary disabilities that prevent the policyholder from working in their current job but allow them to work in a different job or capacity.

The policyholder typically selects a waiting period, also known as a deferred period, which is the period of time they must be unable to work before the policy begins to pay out. The waiting period can range from a few weeks to several months, and the longer the waiting period, the lower the premiums.

The policyholder also selects a benefit period, which is the length of time the policy will pay out if the policyholder remains unable to work. The benefit period can range from a few years to the policyholder’s retirement age, depending on the policy terms and the policyholder’s needs.

Accident and Sickness Insurance can provide valuable financial protection for those who are unable to work due to illness or injury. However, it is important to carefully consider the policy terms, premiums, and exclusions before purchasing a policy.

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What Does Accident & Sickness Insurance Cover?

It is important to carefully review the policy terms, exclusions, waiting period, benefit period, and premiums before purchasing Accident and Sickness Insurance. Some policies may have exclusions for pre-existing conditions or only cover certain types of illnesses or injuries. The waiting period and benefit period can also affect the cost of the policy and the amount of coverage provided.

Why Do I Need It?

Anyone who’s job relies on them being able to move around, carry objects
or work machinery should look at some kind of comprehensive sickness

Accident and sickness insurance can be beneficial for individuals who rely on their income to pay for living expenses and support themselves or their families. Here are some reasons why you may need accident and sickness insurance:

Overall, accident and sickness insurance can provide a valuable safety net for individuals who rely on their income to support themselves and their family. It is important to carefully consider the policy terms, exclusions, and premiums to ensure you choose a policy that provides the coverage you need and fits within your budget.

How long should my policy pay out for?

When getting a quote for sickness insurance you can define the length of time you would want the policy to pay out for. The minimum term of payout is 12 months, then 24 months. Many people will quote for a full term of the policy. This means the payout will carry on until the end of the term of the policy. For example a policy that runs until you are 65, will keep paying a monthly income until you are 65. Makes sense hey!

You might also be interested in is adding unemployment cover onto your accident and sickness insurance. There are quite a few comprehensive sickness policies that allow their customers to add this. That way, they will then benefit from a steady income even when they are out of work. However, there are a few reasons why this kind of cover would not pay out, including taking redundancy and being made unemployed due to your misconduct.

As you can see then, there certainly is a lot to think about when it comes to taking out the policy. For most people who aren’t in full-time employment, this kind of income protection could come in very useful indeed.

Do you want to find out more about accident and sickness insurance? If so, why not give us a call today and one of our dedicated team will be happy to discuss it with you. We look forward to taking your call!

How to make a claim on accident and sickness insurance

To make a claim on your Accident and Sickness Insurance, follow these general steps:

It is important to keep your insurance provider informed throughout the claims process and provide any additional information or documentation they request. If your claim is denied, you may have the right to appeal the decision or take other steps to seek a resolution.

How About Self Employed Sickness Insurance

Self-employed sickness insurance, also known as Self-Employed Income Protection Insurance or Self-Employed Accident and Sickness Insurance, is a type of insurance that provides income protection to self-employed individuals who are unable to work due to illness or injury.

The coverage and benefits of self-employed sickness insurance vary depending on the insurance provider and policy terms, but generally, it covers the following:

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Further Reading

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Income Protection Insurance Guide

Long term income protection insurance guide and quotes.

How much does

All you need to know about Self Emplyed Income Protection.

Read our guide for the self employed. What cover can you get and how much does it cost.

Family Income Benefit Insurance

A monthly income for your family when you die. Read all about it here.

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