- Sick pay guarantee
- Sabbatical Break
- Inclusive of HIV/AIDS
- Benefit Guarantee
Sick Pay Guarantee
If you are directly employed by the NHS, you can select a 12-month deferral period and benefit from paying a cheaper monthly premium. If you need to claim the insurer will automatically align the pay-out with the NHS sick pay system, taking into account length of service. Topping up the 50% sick pay you’d receive, with a further 50% benefit – with the full 100% benefit being paid thereafter.
Some insurers allow clients to take an extender break (up to two years) away from their role to study or work abroad.
Although usually excluded under income protection policies, specialist doctor and surgeon plans do not have these exclusions, which means although the risk is very small, you are still fully covered.