Sick Pay Cover: A Financial Lifeline

  • Straightforward financial protection against work absence longer than 30 days.
  • Cover up to 85% of your regular income for 6 months.
  • Guaranteed acceptance for ages 18-61 in England, Scotland & Wales.
  • No medical or lifestyle questions.

From only £10.83 a month. 

Benefits of ESMI’s Sick Pay Insurance

Financial strength

We distribute this insurance in partnership with Canopius who are one of the top 10 insurers in the Lloyd’s market with over $1.2 billion in premiums underwritten in 2017.

No medical or medical questions

Many insurers ask you lengthy medical questions, want to speak with your GP, and ask you to undergo a medical exam. We don’t ask for any of this with our insurance.

Guaranteed acceptance

We guarantee to accept you instantly online if you are age 18-61 and live in England, Scotland or Wales. Our Sick Pay Insurance really is that simple.

Protection right back-to-day-one

There are no waiting periods with ESMI. We pay you from the first day that you were signed off sick from work, once you have been off for 30 consecutive days.

You're In Safe Hands

We’ve provided cover for over 5,000 people just like you!

Why is sick pay cover important?

After 4 days work absence, the majority of employed people will be entitled to Statutory Sick Pay from their employer of only £92.05 each week.

If you are self-employed you have to go through Employment and Support Allowance. The assessments usually take 13+ weeks and the payments usually aren’t enough either.

For most people these benefits aren’t enough to support their lifestyle, and finances can get tough pretty quickly. Sick Pay cover can reduce this worry.

If you’re not convinced that a Sick Pay Insurance policy is worth considering, read these employment stats.

ESMI Sick Pay Insurance Explained

How does ESMI insurance cover work image

So, how does ESMI Sick Pay Insurance work?


  • ESMI Sick Pay Insurance replaces your income with up to a maximum of 6 monthly-paid benefits up to £2,000.
  • To apply for cover you must be aged 18 to 61 and permanently reside in either England, Scotland or Wales.
  • There is a choice between: £500, £1,000, £1,500, or £2,000.
  • Please make sure you choose an appropriate level for you as your benefit cannot exceed 85% of your regular income. Examples: https://www.getesmi.co.uk/sick-pay-case-studies
  • Claims can only be made after 30 consecutive days of work absence.
  • The benefits are paid entirely tax-free, and we pay you monthly in arrears back to day 1 when you were signed off work and you started losing income.
  • We will pay benefits for up to a maximum of 6 months or until you are able to return to work, whichever comes first.
  • Annually renewable policy up until your 69th birthday, and you’re free to cancel any time.

What happens if I have a pre-existing condition, will you accept me?


There is an exclusion for any claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy.

This exclusion will not apply if you remain symptom-free and do not need to seek treatment or medical advice for a continuous period of 24 months. 

If the cause of your sickness or injury which has caused work-absence longer than 30 days is not deemed related to your condition when you come to claim, then your benefit will, of course, be paid. 

Want to know more about how this affects you? Click here to contact us.



The professional claims team at Compass Underwriting have you covered. Since 1986 they’ve been one of the UK’s leading independent accident & health underwriting agencies, serving over 250,000 customers in that time.

We understand how important your claims are, so we always do our absolute best to get them resolved quickly.

Once we have received all of our initial requirements we endeavour to respond to all claims within 10 working days to help your family get back on their feet as soon as possible.



We will not pay any benefit:

  • For any back-related condition unless there is radiological evidence of a medical abnormality or a visible wound or bruising, or a doctor or consultant certifies that this is the only condition which prevents you from attending your usual place of employment.
  • For any claim for psychological, psychotic or mental disorders unless a consultant certifies that this is the only condition which prevents you from attending your normal duties at your normal place of employment.

Please see section four in the policy document for the full list of exclusions.

Coronovirus Exclusion:

This Insurance does not cover any claim in any way caused by or resulting from:

a) Coronavirus disease (COVID-19);

b) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2);

c) any mutation or variation of SARS-CoV-2;

any fear or threat of a), b) or c) above.



Can’t find the answer to your question on this page? You can either:

Still Need Some Convincing?


"I’ll be fine. It cant be that bad?"

SSP is £92.05 a week. The average weekly food cost for a UK household is £89, with average gas and electric bills at £102.30 per month. At this rate, you’ll be dipping into your savings already… for only food and energy bills. Do you see how quickly things could get difficult very quickly?


"It’s too expensive for the off-chance of me needing to use it."

Our Sick Pay cover starts from just 32p more a month than a Spotify subscription (£10.31 vs £9.99). Put like this, it’s really not that expensive to cover yourself if you’re off sick from work.


“It’ll never happen to me."

The chances are actually pretty high of going off sick for more than 30 days. 1 in 32 people each year lose out on more than a month’s income (960,000 employees out of a total of 32.21million).

Read more stats about employment


"I’ll just use my savings if that happens."

If you have enough savings then that’s great. However, 1 in 4 people in the UK have no savings whatsoever. And 1 in 10 adults over the age of 55 don’t have a penny put away for their future.

Buy straightforward Life Cover or Sick Pay Cover online from ESMI in less than 5 minutes.