Combined Accident, Sickness and Unemployment cover will protect against loss of income due to Involuntary Unemployment, Accident or Sickness or you can just choose Accident & Sickness cover only.
We do not offer Unemployment Only cover but because we uncouple the excess periods for unemployment and accident and sickness, it is possible to choose a long excess period for the Accident and Sickness part of the Policy but have Back to Day 1 (0 Excess) for the Unemployment part.
Use our Quick Quote to compare premium rates.
Traditionally when you buy an Accident, Sickness and Unemployment Policy your chosen excess period must apply to both the Accident/Sickness and Unemployment covers, even though you may need them at different times.
Ant’s Lifestyle Protection Insurance allows you to tailor your policy so your individual covers can be paid at varying times depending on your circumstances and significantly reduce your premiums.
Example: If you have 3 months company sickness benefit and are eligible for one month payment in lieu, you are more likely to want to choose a 90 day excess period for accident & sickness but a 30 day excess period for unemployment.
By using this flexibility you can reduce your premiums considerably and only pay for what you actually need.
We offer Unemployment cover for Self-employed/Contractors/Sub Contractors and those employed by members of their own family but there are specific criteria that apply for claiming unemployment. Please read the Policy Wording for a full list of the exclusions.
The Terms and Conditions in relation to Accident & Sickness are the same for all policy holders.
This is available if you have selected Unemployment cover, ie Accident, Sickness and Unemployment. If you become a Carer for a member of your immediate family we can pay carer benefit, subject to the Terms and Conditions.
Some providers will not pay you benefit whilst you are in receipt of company sick pay but with this policy we do.
However if you want to reduce your premiums you can use the Accident & Sickness excess period to begin payments after your company sick pay benefit has ceased which can considerably reduce your premiums.
You can claim for back related conditions but there are specific claiming criteria. Please see “Claiming” for full details
You may be able to claim for certain stress related conditions but specific limitations do apply. Please see “Claiming” for full details.
You may be able to claim for certain pregnancy related condition but specific limitations do apply. Please see “Claiming” for full details.
If you are claiming under the Accident & Sickness provision of this Policy and subsequently find part-time work of less than 16 hours per week through NDDP (New Deal for Disabled People) you will still be able to claim under this policy as long as you are in receipt of Employment & Support Allowance and the part time work is for less hours than those worked prior to your claim.
If you have more than job you will be eligible to claim unemployment should you lose at least one job, providing:
Special conditions apply if you are a Company Director.
Redundancy Helpline: We can provide specialist advice from AXA PPP for redundancy matters and tax information. The helpline is staffed by lawyers and tax specialists from accountancy and Inland Revenue backgrounds.
This free service will provide you with information on:
This service can be used at any time during the life of your policy and is available 24 hours a day 365 days of the year.
We can provide a confidential and independent back to work advice service. This service is free (apart from the cost of the call) and is provided by employment specialists Jobcare Services Ltd.
Jobcare is a free, independent and confidential telephone advice service, included as part of the Unemployment section of this Policy. It is available to You and any member of Your Immediate Family who lives with You, and provides guidance on getting back to Work if You have an Unemployment claim.
Experienced advisers will offer
You may call at any time during Your period of claim, quoting Your certificate number from 8am to 8pm Monday to Friday and from 8am to 12noon on Saturdays. The Jobcare telephone number is 0870 3304791.