Sickness insurance

[dangerous brian]

Evening chaps and ladies,as the title says i'm after sickness cover the sort of thing that pays you a wage if your sick or injured and unable to work. Does anyone know of such a policy and who the brokers are cheers DB.

[Alinicoll]

Try the personnal insurance for tree surgeons sponsoed link. Thats what they specialize in. You pay a bit for decent cover.

[dangerous brian]

Cheers mate i'll give them a look.

[nepia]

If it's long term cover you're after (if you develop a serious debilitating disease for example) you need to look at PHI - Permanent Health Insurance; it's a form of earnings replacement. But as the legal maximum unearned income you can take is 2/3 of your previously earned income it's not cheap and look very carefully at the exclusions. It's the sort of thing that kicks in if you have a heart attack, develop cancer etc.

[Rupe]

Self employment is the best insurance against sickness!!

[dangerous brian]

Cheers thats pretty much the same thing i was told by my bank today,i have life cover,its just that being self employed,i think it's about time i got something put into place.

[Dean Lofthouse]

I've got cover with these

 

Home Page : Income Protection and Health Insurance Policies

 

The good thing about this policy is that whatever you pay in, provided you dont claim, you get the full amount back after 12 years.

 

I'm a bit dubious but I had a financial adviser look over it and he couldn't pick fault ??

[dangerous brian]

I do agree with you there rupe,i have to be practicaly dying before i even think about taking time off,and even then i still go in.

[dangerous brian]

Thanks Dean that sounds like a plan i shall look them up in the morning.

[Mark Bolam]

I wouldn't bother Bri.

 

Even if you get serious brain damage you could still get a job working in a bank. Spunk away billions of tax-payers money and still get a nice fat bonus.

 

Happy days!