Accident & Sickness
You can choose to be covered in case you have an accident or become ill and you are unable to work. You should remember that policies will exclude cover for the following: Any existing physical or medical condition of which you were aware on the date of signing the application form. Any disablement for which you had received treatment or advice during the 12 months immediately preceding the start date of insurance. Any disablement for which medical evidence has not been provided by a registered medical practitioner.

Unemployment Only
You can choose to be covered in case you become unemployed. This cover is generally only available if you have been employed/self employed continuously for a set time period. Exclusions can include, unemployment: Resulting from industrial action, misconduct, voluntary unemployment or redundancy, resignation. Which you were already aware of when signing the application form. If you are not registered as unemployed or not seeking alternative employment. Which is a normal incident or seasonal occurrence in your occupation.

Accident, Sickness and Unemployment
You can be covered for accidents, sickness or involuntary unemployment. This cover does generally have exclusions for sickness and unemployment. Exclusions for accident and sickness can include: Any existing physical or medical condition of which you were aware on the date of signing the application form. Any disablement for which you had received treatment or advice during the 12 months immediately preceding the start date of insurance. Any disablement for which medical evidence has not been provided by a registered medical practitioner. Exclusions for unemployment can include: Unemployment resulting from industrial action, misconduct, voluntary unemployment or redundancy, and resignation. Unemployment which you were already aware of when signing the application form. If you are not registered as unemployed or not seeking alternative employment. Any unemployment which is a normal incident or seasonal occurrence in your occupation.