Sick Pay Insurance FAQ’s
Find the most commonly asked questions about our Sick Pay Cover here.
Get in touch if you can’t find the answer to your question.
Am I eligible for the policy?
Can the self employed benefit from the sick pay plan?
What does the sick pay plan cover?
The accident or illness must occur during the period of cover and the symptoms must last for more than 30 calendar days in a row before we will pay a benefit.
How long does the policy offer cover for?
How long does the policy last?
What does ‘qualifying period’ mean, and how long is it?
We offer a fixed qualifying period to all of our customers.
There is a 90-day qualifying period, from the policy start date, applicable to any claim on an illness benefit, and a 14-day qualifying period applicable to any accident benefit.
What factors of my lifestyle will drive my premiums up?
If your income is less than the monthly benefit, can you apply?
Why can't I just rely on state benefits?
The state Statutory Sick Pay benefit currently rests at just £89.35 per week, which works out at only £2.23 an hour, if you work the average of 40 hours per week. Research in March 2016, done by the Office for National Statistics, showed that UK Homes spent an average of £528.90 per week – so you can see having some financial protection in place is important to help cover your bills.
Can I cancel my policy if I no longer need it?
What happens if I miss a payment?
If you happen to miss a payment, we will attempt to collect payment on the next monthly payment run, and if payment is still not made then we will cancel your policy. We will notify you in writing when a payment has not been made.