Self-employed people
The types of products Combined offer are vital if you are self-employed If you suffer a fracture, are hospitalised, are diagnosed with a critical illness, have an accident or die and are covered with Combined, Combined can pay you either a cash lump sum of up to £90,000 or regular benefits of up to £980 a week. The benefit is yours to choose how to use and could be used to cover bills, pay for extra help or take a holiday to recuperate, so that all you need to focus on is getting better.
Combined’s products are very competitively priced with flexible payment options, so you can have peace of mind against accident or sickness for just a few pounds a month. All benefits are payable in addition to those provided by most other plans and the state and all benefits are usually tax free.*
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.
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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.
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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.
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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.
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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.
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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.
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* 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.
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