Accident & Sickness Cover
Coverage for operations and medical procedures which involve a period of recovery, including cancer
Income protection schemes rarely cover short-term absences and where they do, the cost can be substantial. Medical Recovery Insurance gives peace of mind by providing cover for employees for absences from a few days to a few months at an affordable premium.
Should an employee require an operation or a medical procedure that requires time off work our policies help insure them against a loss of income by providing a cash benefit which is linked to the normal recovery time for their treatment.
The policy is designed for employees who are not covered by an employer’s sick pay scheme, as well as for small to medium employers who want a sick pay scheme at an affordable price.
Medical Recovery Insurance is also ideal for employers who are unable to shoulder the risk of providing sick pay above statutory sick pay rates, but who can afford the premiums of this policy.
Our plans also provide the flexibility to allow cash benefits to be paid to the employer when employees are recovering from an operation or a medical procedure and these benefits can be used to help fund sick pay obligations, pay for additional sick pay benefits or to hire temporary staff.
Family schemes are also available to enable parents to stay off work to care for a child recovering from surgery, and some early complications of pregnancy are covered as well.
Examples of covered Operations and Medical Procedures
