Is this type of cover only for major illnesses?

After recently been off work due to a minor operation and my company only paying sick leave for a small period of the time I was off I decided to look in to if there was any kind of insurance where you could protect your earning of off work sick…

Do these income protection policies generally only cover major illnesses or if your off work for a certain period of time?

Would the policy cover someone who was signed off by a doctor with say a chest infection for 2 weeks?


Question asked by Debbie Wright
Compare Top 10 UK
Takes approx. 60 seconds
Type of Policy
Income Required
Date of Birth

Answered by Andrew Jenkinson


Income Protection explained

Income protection insurance is not just for major illnesses, it will pay out for any illness or injury which prevents you from going to work and insurers do not have a list of conditions they cover for income protection.

The deferred period

There is a deferred period with income protection insurance which is usually a minimum of four weeks. This is the period of time for which you will have to be off sick before you receive payment. Therefore generally income protection is not intended to cover very short term illnesses.

However some insurers have deferred periods starting from one day where you only have to be off for four days before making a claim and the payment is back dated to day one.

Most people choose the deferred period to coincide with any occupational sick pay or savings. The longer the deferred period the cheaper the premiums.

An example of what you can claim for

For example if you were off with a chest infection for 2 weeks and your employer pays one week full sick pay then you could choose a deferred period of one week which would mean that you would get a payment from the insurer for the second week of sickness. Also you are able to make multiple claims on income protection policies.

Speak to an expert

It will help to talk through your options with an adviser, who will be able to make some recommendations based on your own circumstances. Please call us on 0208 432 7333 or get a quote online by completing the form below.

income protection
major illnesses
deferred period
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

If i take out income protection now and need to make a claim will i still be eligible for any benefits...
I am currently looking for a good income insurance policy and would like some suggestions for the best...
I earn £26k gross income per annum with up to £5,000 (unguaranteed) bonuses per annum. I work for a...
I have only been self employed for six months so don’t have any...
Need Help? Live chat now and get an instant answer from our Experts...


Our Latest Reviews
Edward Brampton

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
4.92 / 5 Average
1397 Reviews
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.
Overall Rating
The service provided by Victoria was second to none. She made my experience of sourcing income protection simple and seamless. I would highly recommend Drewberry!