A02. What sort of cover can I get?

You can choose to have FULL Accident, Sickness and Unemployment cover or you can buy Accident & Sickness ONLY or Unemployment ONLY cover. However, you can only buy Unemployment ONLY cover if you are currently moving home. It is not available for other types of loan or for rent protection.

There are also 2 options to change the period of time you have to wait before you are eligible to make a claim (30 or 90 days). This means that you could make a claim after you had been unable to work for more than 30 days or for more than 90 days. A full monthly benefit would be payable on the 31st or 91st day respectively.

Naturally the 90-day option is cheaper and may be more suitable if, for example, you get full pay from work if you are off sick or if you have savings that you would use to keep up payments in the short term. The modest increase in premium generally makes the 30-day option appropriate for most people.