Life protection pays a one-off payment if you die or become terminally ill, helping to protect those who depend on you. The claim (life insurance) is paid to the owner of the policy and would provide a lump sum that could be used to cover debts/mortgages, funeral expenses and ensure the survivors future lifestyles are still comfortable and don’t have to face undue financial stress on top of their loss.
This is a cover that will pay a lump sum in the event of a major trauma such as cancer, strokes, heart attacks and other conditions as outlined on the enclosed product card. This can be used to assist with medical expenses, home help, or as income for a period to enable you to focus on recovery with less emotional and financial stress.
In the event you suffer a sickness or injury that prevents you from working and earning an income, both Mortgage and Income Protection is intended to provide you with the financial protection and assurance of knowing that you can continue to pay your mortgage and bills and that your standard of living isn’t seriously compromised.
Getting the income earner back into the workforce soon will lessen the financial loss and having private cover in place will speed up the whole process including recovery.
Private medical insurance will give access to private hospital treatment when you require it. No waiting lists, no public hospitals and the best doctors. Base plan will cover surgical and associated consultations and treatment. Specialist option will cover specialist consultations and diagnostic visits that do not result in a surgical procedure.