Sickness Insurance

If you are looking for sickness insurance, then UKinsuranceNET can help. There are two main types of policy that can provide a replacement income in the event of sickness.

Short term income protection policies these are sometimes known as ASU. These plans are not usually subject to medical underwriting as pre-existing conditions are excluded. Benefit is usually restricted to 12 or 24 months. Most plans are restricted to £1500 per month, benefit although some provide benefit levels up to £2500. If the accident and sickness benefit you require is greater than the plan maximum, then you would need to apply for multiple plans with more than one provider, however if you are looking to apply for multiple plans, we would suggest that you always take advice, as some insurers will take into account benefit from other plans when paying claims.

Long term income protection is sometimes known as Permanent Health insurance or PHI. These plans are always subject to medical underwriting, however benefit can be paid until age 65 and the monthly benefit available under these plans is not usually restricted to a monthly maximum. The sickness benefit available from these plans is usually restricted to between 50% and 75% of your pre-disability income.