What is Covered

For Individuals

• World-wide area of cover
• Insure up to 75% of your gross annual earnings up to a maximum of £90,000 or $144,000 or €144,000 or AED 528,000
• 2% compound interest added to benefit payments for every 12 months that you claim. This is of real value, especially for long-term claimants, keeping income at a level relevant to inflation
• Waiver of premium whilst you claim, with cover reinstated on return to work. As income replacement plans tend not to cover pre-existing conditions, this provides continuous cover so that, in the event of a relapse, you are able to claim again
• Benefit paid for up to 24 months whilst you are unable to return to your own occupation
• Rehabilitation benefit paid if you are able to resume part-time work during the first 24 months of claiming benefit
• Benefit continues after 24 months if you are totally unable to return to any occupation for which you are fitted by way of training, education or experience
• Benefit payments automatically cease upon death or on reaching age 65
• Choice of deferment period with benefit starting after 3 or 6 months
• Cover available in Sterling, US Dollars, Euros and UAE dirhams
• Available to employed and self-employed expats

For groups of 3-19 employees

• World-wide area of cover
• Long-term disability insurance protection up to 75% of salary (up to 80% salary in the UAE)
• Generous free cover limits
• 2% compound interest annual escalation to protect against future inflation
• Waiver of premium whilst your employee claims, with cover reinstated on return to work
• Benefit paid for up to 24 months whilst your employee is unable to return to their own occupation
• Rehabilitation benefit paid if your employee is able to resume part-time work during the first 24 months of claiming benefit
• Benefit continues after 24 months if your employee is totally unable to return to any reasonable occupation
• Benefit payments automatically cease upon death or on reaching age 65
• Choice of deferment period with benefit starting after 3 or 6 months
• Simple administration process, with medicals not usually required
• Cover available in sterling, US dollars, euros and UAE dirhams
• Up to 10% discount on premiums