Illness and Injury Insurance

You can apply for this insurance if you're employed, or self-employed, working 16 or more hours a week, and a UK resident aged between 18 and 55.

There is no defined list of illnesses or injuries covered. Our team will assess each claim on a case-by-case basis.

Your income is covered if you have an accident or become ill and need to take continuous time off work for four weeks or more. The maximum payout you can receive is determined based on 60% of gross income, capped at £2,000 a month. This is the equivalent maximum payout for an annual gross income of £40,000. If you earn more than this, your monthly payout will be capped at £2,000.

You’ll need to be off work for at least four weeks before you can make a claim. You’ll then get your
payout monthly, at the end of each month.

You'll need to be working 16 or more hours per week to take the policy out. Illness and Injury Insurance is not unemployment cover so it won’t pay out if you become unemployed. If you become unemployed while you have the policy, you can still claim if you become ill or injured, as long as you’ve continued to pay for the policy after becoming unemployed.