Premium Breakdown
The costs included within your insurance premium.
Life Cover / Life & Critical
Costs Included in the Premium
Insurance Premium Tax (IPT)
12% IPT is charged on the monthly base premium, except for Life Cover, which is exempt from IPT.
Admin Fee
Up to 10% of the monthly base premium is payable to ESMI to cover the costs for administering this policy. This admin fee is exempt to anyone paying annually
Sick Pay Cover
Costs Included in the Premium
Insurance Premium Tax (IPT)
12% IPT is charged on the monthly base premium.
Admin Fee
Up to 10% of the monthly base premium is payable to ESMI to cover the costs for administering this policy. This admin fee is exempt to anyone paying annually