You may apply for cover if you meet the following criteria: You are a permanent UK resident, you work more than 16hrs a week and you are between 18 and 61 years old. That’s it!

Yes, the self-employed are one of the most common groups that choose to benefit from the sick pay plan as they can be more vulnerable financially if they are unable to work.

We will pay the benefit if you suffer an accident or illness and are unable to attend your usual place of employment as a result of this. The benefit will be paid until the date that you return to work or until the maximum benefit has been paid, whichever comes first.

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.

The sick pay plan will pay out a monthly benefit amount for up to 6 months of the policy year.

This policy is an annually renewable policy. We will contact you between 4-6 weeks before your renewal date to check that you wish to continue with the policy. Alternatively, you can cancel it at any time, should you wish to.

The qualifying period is the period of time after the policy start date, that you cannot submit a claim.

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.

None. That is the beauty of it. All of our sick pay policies are the same price for everyone, regardless of your age, health, occupation or drinking and smoking habits.

Yes, our policy covers up to a maximum of £1,000, £1,500, and £2,000, or 85% of your gross monthly salary – whichever is the lesser.

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.

Yes, all of our insurance policies are annually renewable policies so they only last 1 year, and you can cancel at any time of your choosing. We also provide a 30-day-money-back-guarantee after your take out our insurance, in which you can change your mind and not pay a penny!

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.

At ESMI we firmly believe that it is wrong to either; deny a persons application, or charge them a higher premium, just because of their lifestyle, health or occupation. We offer the same premium’s to all Sick Pay customers.

Yes, the policy term only lasts for 12 months, but is automatically renewed at your allocated renewal date – unless you choose to opt out when we notify you of your renewal.The Sick Pay cover will not cover any condition, injury, illness, disease or related condition and/or associated symptoms, whether diagnosed or not, which you suffered in the 36 months immediately before the start date of the policy unless the insured person has been symptom-free and has not required treatment or medical advice for at least 24 months in a row immediately before the policy start date.