Answered by Rauri Taylor
Exclusion periods for different kinds of insurance
There are a variety of policies on the market to choose from and they will all sound fairly similar until you get into the details of the terms and conditions.
With the accident and sickness insurance options Drewberry recommend there is no exclusion period at the start of the policy, and you can claim from the moment the policy starts for conditions occurring after the start date.
With unemployment insurance there is usually an initial exclusion period of often between 90 to 120 days, depending on the insurer, which is to safe guard the insurer against people taking out a policy when they are already aware they will be made redundant in the near future.
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As this type of insurance is so varied taking advice from an experienced adviser will help you obtain the best terms for your needs.
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