With most insurers you’ll have access to a range of health related benefits and other financial related benefits that could make a real difference in the event of illness or injury – at no extra cost.
You don’t have to be claiming under the policy to benefit either. Most services on offer can be accessed at any time. The actual benefits and options available vary from insurer to insurer, but here are some examples:
- Health Advice Line – 24/7
Access to medical professionals around the clock – 365 days a year. You can talk in confidence directly to qualified nurses about any health or well-being issues, as often as required.
- Counselling and Carer Support Services
Highly experienced counsellors can offer help (over the phone or face-to-face) with any type of mental well-being issue where short-term counselling is appropriate.
- Hospital in-patient Benefit
It’s difficult for anyone to cope if in hospital for a long period. You could receive up to £200 per night, for up to 90 nights.
Gives reassurance that if you become incapacitated whilst on maternity leave, the insurer will treat you as if you are still at work and earning the same amount as before you went on maternity leave.
If you suffer a long term illness or injury you may never return to your original occupation. However, you might have the ability and desire to do something completely different. As a result, if you will earn less in your new occupation than you did before becoming ill, the insurer will continue to pay a ‘top up’ benefit to you.
Returning to your previous job after a prolonged period of illness can be a big challenge. You may even need to build up your hours over a period of time. If you return to work on a part-time basis the insurer will pay you a ‘top up’ benefit.
If you use the following complementary therapies during the policy, you can be reimbursed for up to £200 per year:
A chiropractor, osteopathy or physiotherapy.
*When you take out an Income Protection policy the insurer’s Policy Documents will state exactly what added value benefits and options are available to you.