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Maximum benefit available is £1000 per month or 50% of your normal monthly income (whichever is the lower). |
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Maximum Benefit Period – 12 months.
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The first months benefit is paid after a minimum of 30 days and is subject to the cover you have selected.
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All claims paid on a daily basis, monthly in arrears.
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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:
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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 or 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 120 days of the start date of cover.
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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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