Income protection - Policy cover too limited
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Income protection policies cover a range of options:
Critical illness cover
While critical illness cover is often sold with life insurance, it’s important to note that they aren’t the same thing!
Critical illness insurance covers you in the unfortunate event that you happen to get one of the serious medical problems that are in your policy. The policy will pay out a single payment and then end (although policies will occasionally make a smaller payout for less severe conditions or in the event that one of your dependents has one of the listed conditions).
These policies normally include heart attacks, strokes, cancer, permanent disabilities and multiple sclerosis.
Unlike life insurance, critical illness cover doesn’t pay out when you die. You should also be aware that you can’t retrospectively take out critical illness cover – meaning you won’t be covered for any illness or condition you know you already have.
Income protection insurance
Income protection insurance is a long-term insurance contract which is designed to cover your income in the unfortunate event that a medical condition or injury stops you from working.
This is generally sold to cover long term illnesses, where your company’s regular sick pay won’t cover an extended leave of absence
Income protection policies normally have a “deferred” period in which you won’t be entitled to a payout if you’re not working. This ranges from four weeks to two years, and accounts for the period in which you’ll be receiving sick pay from your employer.
A policy will usually run on a fixed term basis up until your retirement age, and does not have to be renewed.
If you meet the conditions for a payout, you’ll continue to receive it until you’re able to work, until you retire, or until you die.
This means that if you are sick, recover, and then get sick again, you can claim more than once under the same policy!
Personal Accident Insurance
Personal accident insurance is normally provided either as a stand-alone policy or as a benefit as part of another policy (for example, as a package with travel insurance).
Personal accident insurance policies cover death, permanent total disablement and loss of use of a body part.
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