意外和疾病保障
Overview
Accident & Sickness Cover provides short-term income replacement if you're unable to work due to an accident or sickness. It pays a weekly benefit, helping you cover essential expenses while you recover.
This cover is particularly valuable for self-employed individuals and business owners who don't have access to employer sick pay schemes.
How It Works
Waiting Period
Typically 7, 14, or 28 days before benefits commence. Longer waiting periods result in lower premiums.
Weekly Benefit
Fixed weekly amount paid if you're unable to work. You choose the benefit level when taking out the policy.
Maximum Duration
Benefits typically paid for up to 52 weeks per claim, with annual limits on total claims.
Key Features
- • Weekly cash benefits during incapacity
- • Short-term income replacement (up to 52 weeks)
- • Covers both accident and sickness
- • Flexible waiting periods (7, 14, or 28 days)
- • Affordable premiums for comprehensive cover
- • Ideal for self-employed professionals
Who Needs It
- • Self-employed professionals without sick pay
- • Business owners and entrepreneurs
- • Freelancers and contractors
- • Employees with limited sick pay entitlements
- • Anyone wanting short-term income protection
重要信息
受爱尔兰中央银行监管。所有保单均符合爱尔兰保险法规与消费者保护要求。