Accident & Sickness Insurance

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This type of policy pays a regular cash benefit to a person unable to work as a result of an accident or sickness. This is especially valuable if you are self-employed and would have no income if disabled or sick.

Personal accident policies are arranged for one year and are renewable at the option of the insurer. If you are sick or injured, regular payments are usually made on a weekly basis up to a maximum number of weeks (usually 52 or 104). There will normally be a deferred period (such as 7 days) before payments start. A lump sum may also be payable on death or specified disabilities such as loss of a limb or eye.

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