This is the maximum number of months we can consecutively pay you per claim i.e. any one period of accident, sickness or unemployment. You may make multiple subsequent claims throughout the life of the policy.

Choose between Accident and sickness only (AS) or Accident, Sickness and Unemployment combined (ASU)

This is the monthly gross amount (or annual gross monthly average) shown on your payslip. If self employed use the monthly average gross income you declared for the previous tax year.

You can choose to individually defer your Accident & Sickness or Unemployment claim with ‘waiting/excess periods’ of 0 (Back to Day 1) 1, 2, 3, 6 or 12 months producing cheaper premiums the longer you wait.