Income Protection - Day One & Deferred for Healthcare Professionals

In 2018, one in seven medical professionals clients claimed on their income protection policies, from a few days / weeks to ongoing long-term illnesses. Click here to find out more including the breakdown of injuries and illnesses, award amounts, gender split and more.

Self Employed Professionals

Day One Income Protection

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).

  • No Deferral Period – Cover From Day One
  • All Accidents & Illnesses Covered (bar pre-existing conditions)
  • Tax Relief At The Marginal Rate
  • 100% Claims Paid

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.

*COVID-19 is excluded for new applicants.

Employed / HSE Health Professionals

Deferred Plans

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.

Did you know that the HSE Sick Leave Scheme Has Halved?

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.

Tailored Income Protection policies to suit your specific requirements

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).

  • All Accidents & Illnesses Covered
  • Tax Relief At The
  • Marginal Rate

Online Enquiry Form

Please submit your information below and an adviser will be in touch shortly.


Online Enquiry Form

  • Date Format: DD slash MM slash YYYY

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