What am I covered for, under accident and sickness cover?

Published 18/03/2016 12.10 PM   |    Updated 07/06/2017 09.09 AM

If you’re employed or self employed, you are covered if because of an accident or sickness you’re unable to do your normal occupation. You wouldn’t be expected to go back to work in a different occupation – the plan will continue to pay out for as long as you’re unable to do your normal occupation.

By ‘occupation’ we mean a type of work with certain characteristics, not a specific job with a particular employer.

If you’re not working when you become sick or have an accident you are still covered, but we’ll only pay a claim if you’re unable to carry out a certain number of tasks. We call these ‘Activities of daily living’. Also we’ll limit the amount we pay out to a maximum of £1,500 a month.

More details of what you’re covered for can be found in the Plan Conditions in Section A1, and more details of how much we’ll pay out can be found in the Plan Conditions in Section A5.


Did we answer your question?