In 2016, 1 in 7 healthcare professionals including pharmacists made a claim on their Day One Income Protection. From short term infections to long term conditions, there was a wide range of illnesses and injuries covered.
Whether you are a principle or an employee, we will develop a personalised policy to suit your specific financial situation and requirements.
If you are a self-employed pharmacist or principle, 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 its 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. Some employers do not pay sick leave and in this case you may want to look into Day One Income Protection as detailed above. For those who have an employer scheme, 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.
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