Public Sector Insurance

Special discounts are uniquely offered to public and private sector employees who receive one month or more full sick pay.

As with other insurance companies, under the rules of bettermentThe principle being you cannot be better off unemployed than employed. , you cannot claim whilst in receipt of your full salary or full sick pay. Those who receive a period of full sick pay (1-6 months) can now make an additional 15% saving because we discount our rates according to the number of months you receive full sick pay.

This is the only policy that allows you to combine the benefit of Back to day one Unemployment cover with an excess Accident and Sickness cover (1-6 months) to match your sick pay entitlement.

Our policy has an exception to the rules of betterment as we offer full benefit (up to 75% of your net income) once you are claiming half sick pay from your employer. This means you could receive 125% of your net monthly income for the length of your half pay period.

Important Note: Our Public Sector Insurance, in nearly all respects, is identical to our standard Income and Mortgage protection. Therefore all pages on our Public sector insurance site will follow the same format as our standard income or mortgage protection but changes regarding full sick pay allowance and excess period (1-6 months) have been included where necessary.

Mortgage Protection Insurance

Income Protection Insurance (ASU)