People without sick pay
Combined can really help you if you get little or no sick pay and this includes both those in paid employment and those in unpaid work such as a housewife/house husband or someone engaged in voluntary work.
If you were unable to perform your usual work due to an accident or sickness State Benefits would provide you with statutory sick pay of just £75.40 per week*, that’s about £300 a month. If this isn't enough to cover your living expenses, it's definitely worth considering getting covered for illness or injury because Combined will pay you:
- up to £1,000 for breaking a bone accidentally
- up to £6,000 a month for hospitalisation due to an accident or sickness
- up to £900 a month for incapacity due to accident or sickness
- up to £90,000 for being diagnosed with a critical illness
All benefits are payable in addition to State Benefits and are usually tax free.** The benefits are yours to spend how you choose and can be used to cover your living expenses, getting the best medical treatment or taking a holiday to recuperate. Family members can also be covered at special rates and children can be covered on an adult Critical Five Plan at no additional cost.
Pays weekly benefits of up to £980 a week if hospitalised due to an accident, lump sum benefits of up to £1,000 for fractures and up to £20,000 for loss of life.
Find out more…
Pays monthly benefits of up to £600 a month if you are unable to work due to an accident and lump sum benefits of up to £30,000 for loss of limbs, speech, hearing or sight.
Find out more…
Pays monthly benefits for total incapacity of up to £900 a month and a benefit of up to £450 for partial incapacity. Leading advice and referral service Best Doctors is also included.
Find out more…
Pays daily benefits of up to £200 a night for hospitalisation
due to sickness, benefits of up to £100 a night for convalescence
as well as double benefits for critical illness. Leading advice and referral
service Best Doctors is also included.
Find out more…
Pays a lump sum benefit of up to £45,000 on surviving diagnosis or surgery for a critical illness and double benefits of up to £90,000 for cancer. Children can be added to the plan at no additional cost and leading advice and referral service Best Doctors is also included.
Find out more…
Pays a cancer screening benefit of up to £75 every 3 years; up to £30,000 upon the diagnosis of cancer; up to £15,000 towards the cost of approved cancer drugs; up to £100 per hospital visit for the policyholder and their partner. Plus leading advice and referral services Red Arc and Best Doctors are included.
Find out more…
* Present UK law and Inland Revenue practice means that you do not get tax relief on your premiums. Benefits are free of UK income tax and capital gains tax. However if Combined Insurance pay a benefit after your death, inheritance tax may be due on the benefit paid. You may be able to avoid inheritance tax by using an appropriate trust. A solicitor can give you more detail. Present UK tax law may change in the future.
Select your text size
