Covered for accident and sickness Covered for involuntary unemployment Monthly benefit amount of £2,200 Maximum benefit period of 12 months Waiting Period 1 day A minimum claim period of View Illustration

Price fixed for 12 months You'll pay the same price for 12 months unless you make any alterations to your policy Policy Exclusions These are the main circumstances and situations where this policy will not pay out. Please see the Policy Wording for full and exact details and conditions.

120 days unemployment initial exclusion period If you become unemployed, or have any awareness of impending unemployment within 120 days of buying your policy, you will not be eligible to make a claim.

This policy will NOT cover Stress, anxiety, depression or any mental or nervous disorder unless you are under the care of a psychiatric specialist or psychiatric nurse Results directly or indirectly from a pre-existing condition(but this exclusion will not apply to a pre-existing condition if you have been free from its symptoms, and have not consulted any healthcare professional nor received any treatment in connection with it, for a 24 month period before your claim) A result of back, spinal and related conditions unless there is radiological medical proof of abnormality, visible wound or contusion confirmed by a healthcare professional Deliberately injuring yourself (self-harm) Alcohol, solvent abuse or drugs (other than drugs taken under the direction of a healthcare professional and not for the treatment of drug addiction) Pregnancy, childbirth or abortion, other than a medical complication which directly occurs as a result of your pregnancy or pregnancy related conditions A result of a medical operation or treatment which is not medically necessary, including cosmetic or beauty treatments You have not been working for at least 6 months in a row before the policy start date If you were aware of the possibility of (or in our opinion you should have been aware) at the policy start date, even if no specific reference has been made to your personal situation or that your unemployment might not take place until after the initial exclusion period You are notified of or made aware by any means, within the initial exclusion period, of anything that might lead to your unemployment even if no specific reference has been made to your personal situation or that our unemployment may not take place until after the initial exclusion period You are made aware by any means, before the policy start date or within the initial exclusion period, that you would need to become a carer You failed to pass a trial or probationary period Your work is casual, seasonal or temporary If you accept voluntary redundancy, resign or retire If unemployment arises of your own act, wilful misconduct, negligence, dishonesty or fraud Unemployment that occurs whilst you are working outside of the UK for a period you intended to be more than 90 days, unless you work for the British Armed Forces or as a Civil Servant in a British Embassy or Consulate You are made unemployed from a business where you can control the affairs of the business you work for because you or a relative or a member of your household (individually or jointly) have a controlling interest in that business