If you are self-employed, Day One Income Protection covers you from the first day of illness – no waiting period. Our tailored policies provide you with a replacement salary for the duration of your illness (up to 66% of your income).
Whether it’s a short term cold or flu or a longer term serious condition, as long as you are unable to work you will be covered. The claims procedure is swift and seamless with your first payment arriving within 1-2 weeks of the receipt of your form.
If you are employed, we will work with any sick payment arrangements you might have to provide maximum salary continuance. A deferred period policy starts when your employer benefit ceases, ensuring that you are covered for every eventuality. Whether it’s a medium term accident / illness or a longer-term serious condition, you will be covered as long as you are unable to work.
In recent times, the HSE Sick Leave Scheme has been halved, down to three months full pay / three months half. A deferred period plan provides a benefit that commences when your HSE Sick Leave Scheme benefit reduces and ultimately ceases. This ensures a continuance of salary so that you can maintain your standard of living and focus on your recovery.
We will develop a personalised policy to suit your specific financial situation and requirements. This is done by helping you to work out the level of cover that best suits your circumstances, giving you the peace of mind that you will be covered if you are unable to work due to accident or illness (up to 75% of your income, less social welfare).
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It’s been a very difficult year and having this policy in place has made all the difference giving me economic peace of mind. I made a claim in the summer that was going to be initially for 3 months and it was extended for few weeks afterwards. It was a delicate situation and Susan dealt with my case in a very efficient and professional manner and I felt looked after. I was abroad for a while and we would communicate via email and I always got quick answers. a few months later I had to make another claim for a flu-like illness and the claim process was again easy and quick. Having this insurance it’s the best financial decision I’ve ever made.
- Cristina Gonzalez