| - | Maximum Benefit Period - 12 months.
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| - | The first months' benefit is paid after a minimum of 30 days for Accident, Sickness (Disability) and Involuntary Unemployment
and is subject to the cover you have selected.
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| - | The first months' benefit is paid after a minimum of 7 days for Hospitalisation.
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| - | The first months' benefit is paid after a minimum of 60 days for Carer Cover, at
which time you will receive two months benefit.
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| - | There is a 3 month re-qualification period after each claim.
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| - | The risks are underwritten by Templeton Insurance Limited.
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Eligibility criteria
The cover is available to UK residents provided you are:
| - | Over 18 years and under the statutory retirement age and Wage earning, salaried, self-employed or on contract.
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| - | In continuous employment for at least 6 months and permanently employed for 16 hours or more per week.
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| - | In good health and not absent from work through illness or injury and resident in the United Kingdom.
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ARE THERE CIRCUMSTANCES WHEN THIS POLICY MAY NOT MEET YOUR DEMANDS AND NEEDS?
The cover will cease
| - | Cover will cease when you reach the statutory retirement age or your normal retirement age whichever is the sooner.
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| - | When you cease to be a resident of the UK.
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| - | When you stop making payments.
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The Cover excludes
In common with all similar protection policies, cover does not extend to the following:
| - | Any condition or disease which was known at the start date or for which you have received treatment or advice during the 12 months before the start date.
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| - | Temporary or seasonal unemployment or expiry of non-renewable or fixed term contract.
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| - | Impending or voluntary unemployment or early retirement.
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| - | Dismissal due to misconduct or breach of contract.
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| - |
Disability due to stress, nervous disorder, backache, unless a consultant certifies the condition solely prevents you from working.
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| - | Self inflicted injuries, attempted suicide or treatment that is not medically necessary, including cosmetic surgery.
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| - | Aids or HIV, Self inflicted injury, drug or alcohol abuse.
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| - | Pregnancy, unless a medical complication occurs.
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| - | Periods of claims whilst outside the UK for a period of more than 90 days.
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| - | Claims for unemployment that occur within 90 days of the start date of cover. However, if your policy start date corresponds with the start date of a brand new mortgage (not a re-mortgage or second charge loan), we will waive this exclusion.
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Important! Please read the policy documents carefully to ensure all the details are correct and that you meet
the eligibility criteria. Keep them in a safe place with all your other documents, as it will be needed should
you have to make a claim in the future.
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