We’ll pay your claim if, following the waiting period, because of sickness or accident, you’re unable to work. We use different measures to determine whether you're unable to work, and these are explained in section A of the policy conditions. The benefit is paid monthly in arrears.
For some of our newer policies (those taken out after January 2017) we also offer fracture cover, a death benefit and also payment of premiums if you become involuntarily unemployed
If your claim is in relation to fracture cover or the death benefit there are no waiting periods.
If your claim is in relation to payment of the plan premium because you have become involuntarily unemployed (not in the first 90 days of your policy starting), you'll be able to make a claim straight away. Please see the policy conditions for more details.