An accident and sickness policy allows you to tailor cover to your own individual needs and budget. You can decide on the right level of cover, how much monthly benefit you wish to receive and when you receive your benefits in the event of a claim. You can even choose to defer your first 3 or 6 months premium payments or pay your premiums from the start of the policy to get a cheaper monthly cost.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.