Accident and Sickness Insurance

The criteria around claims for accident and sickness are reasonably straightforward.

The policy will pay out if a doctor certifies that you have had an accident or illness that prevents you from doing your current or any similar job for which you are reasonably qualified.

You must not be doing any other job.

You must be working at least 16 hours per week before you can apply for a policy.

There are some exclusions that would prevent a claim being made. They are as follows:

Any sickness you knew about or which is related to a condition for which you consulted a doctor about in the twelve months before the policy start date. This policy should allow you to claim if you have been free of the conditions for at least two years (see other exclusions)

Normal pregnancy

Pre-existing chronic illnesses (see definition below)

Elective surgery e.g. cosmetic surgery - Where you undergo any elective surgical procedure

Intentional injury (any self-inflicted injuries while sane or insane)

Alcohol, solvent or drug abuse

AIDS or HIV infection

Pre-existing Chronic Condition
This is considered to be a condition that occurs prior to the policy start date, and that continues indefinitely, or that cannot be cured or eradicated and that reoccurs or requires treatment.

These notes are intended as a guide only.

Upon application we will confirm you have supplied all necessary information, and inform you of the terms and conditions of the selected provider, before the policy comes into force.

If you think these notes are incomplete or misleading in any way, please contact us immediately.