What is accident and sickness insurance?

What types of accident and sickness cover are available and how does this type of insurance work? Is this cover the same as income protection?

Question asked by Sally Miles
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Answered by Robert Harvey

The difference between Accident and Sickness and Income Protection

Accident and sickness insurance is a type of cover that pays out a monthly benefit to replace lost earnings should you have to take time off work due to illness or injury.

These plans are of the payment protection type and can usually payout for a maximum period of 12 consecutive months, therefore only providing short-term incapacity protection.

It is usually possible to insure up to 65 per cent of your gross earnings and plans start to accumulate benefit after your chosen deferred period, which is commonly set at 30 or 60 days.

For more information please see the Drewberry Accident and Sickness Insurance webpage.

Is it different to income protection?

Income protection insurance is similar to accident and sickness cover in that it pays out a monthly benefit should you have to cease working due to illness or injury. The main difference is that income protection plans can cover earnings all the way up until planned retirement (i.e. payout periods can be far longer than just 12 months).

With income protection policies it is also possible to gain cover on an own occupation basis so you are covered in your own job. This type of cover means that the plan could payout for practically any medical condition that prevents you from working.

Relative to accident and sickness plans, income protection also provides far better cover for back, mental health and chronic medical conditions.

How long can I take out sickness cover for?

It is now possible to take out income protection plans with a reduced payout period of 1, 2 or 5 years. Given the more comprehensive nature of cover, these reduced payout term plans are becoming an attractive alternative to accident and sickness insurance policies.

Speak to an adviser

At Drewberry we offer a fee free service and as we are both independent and have whole of market access we can help find the most suitable options for your circumstances.

Our telephone number is 01273 646 484 if you would like to discuss your needs further.

accident and sickness cover
income protection
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.
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