Sickness and Accident Insurance

Sickness and Accident

Sickness and Accident Insurance : Image provided by Dreamstime.com

Click here for an instant Sickness and Accident quote

Sickness and Accident

Imagine this. Through no fault of your own you lose your income because you become unemployed. Or you're unable to work because of an accident. .Your loans such as your mortgage, car loan and credit cards will still need to be paid, as will other family household outgoings like council tax, utility bills and even life cover. So what can you do?

Many people make the mistake of thinking that should they fall ill or have an accident and lose the ability to work, the State will step in and sort it all out in the UK

This is wrong - the rules governing sickness benefit claims have changed dramatically in the past few years.

Before April 1995, you could qualify for long-term sickness benefit if you were rendered incapable, by sickness, accident or disability, of doing your own job of work. Now the rules state that you will only qualify for long-term sickness benefit if you cannot do any job of work.

In other words, only if you are completely incapacitated will the State help support you. This means that, to all intents and purposes, there are currently no long-term sickness benefits in the UK. Even if you do succeed in getting long-term sickness benefit from the State - currently just over £60 per week - that benefit is now taxed.

This all means that private accident and sickness insurance is the only guaranteed way of being able to put a safety net under you and your dependants.

According to Norwich Union, of all the people currently unemployed, nearly 2 million people are off work for more than six months due to a long-term illness or injury. Also statistics show that you are almost 20 times more likely to suffer a breakdown in health lasting more than six months than you are to die before you are 65. This means that you may well need sickness and accident insurance more than you will need life insurance.

Why use us to get your Sickness and Accident Insurance?

We are a professional insurance brokerage who are authorised and specialise in protection insurances such as sickness and accident insurance for home buyers in the UK.

Unlike many of the other insurance sites that seem to sell accident and sickness policies on the internet our staff are all fully trained and are authorised by the FSA to give advice to our clients. This means that not only will you get what is possibly the cheapest sickness and accident cover available anywhere in the UK, but we will also make sure that you get the the insurance that best matches your needs and we are more than happy to answer any questions about the policy that you may have.

As a specialist company, we have the ability to search the market place for the best sickness and accident insurance for you at the lowest possible price in the UK. You can rest easily knowing that our service is free to you, the customer at all times. After having spent time looking at the best solutions for sickness and accident insurance policies in the UK we have chosen to refer you to a web site owned and operated by a specialist in the accident & sickness insurance market. Top Quote UK has been recommended in a large number of local and national newspapers and magazines including The Times, The Telegraph, The Guardian, The Mail on Sunday and The Financial Times.

Top Quote UK are directly authorised and regulated by the Financial Services Authority under registration number 302674.
Please be aware that responsibility under Financial Services Authority regulations will therefore be assumed directly by Top Quote UK if you purchase accident, sickness and unemployment insurance from them.

CLICK HERE FOR A QUOTE

You should note that this type of cover is not designed as any form of savings scheme, the premiums that you pay are used to provide the cover against sickness & accident and if you do not make a claim there is no return of any money.


Latest Medical and Health Insurance News


[CaRP] php_network_getaddresses: getaddrinfo failed: Name or service not known (0)
Health Insurance / Medical Insurance News From Medical News Today
Health insurance is any program that assists with payment for medical expenses, whether through privately purchased insurance, social insurance or a social welfare program funded by the government. This category includes news on legislation and employer health schemes, HSAs, the uninsured and changes to health insurance policies.

Out-of-pocket costs exceed what many insured cancer patients expect to pay
Some patients spend a third of household income on cancer care, despite insurance.

Health insurance expansion via Obamacare linked to fewer cardiac arrests
A sudden catastrophic loss of heart function, or cardiac arrest, occurred significantly less among adults who acquired health insurance via the Affordable Care Act (ACA), according to new research in...

Medicaid restrictions linked to increased late-stage breast cancer diagnoses
Women in Tennessee who were diagnosed with breast cancer were more likely to be diagnosed with late stage disease after a substantial rollback of Medicaid coverage for adults in the state, according...

Emergency room patients routinely overcharged, study finds
An analysis of billing records for more than 12,000 emergency medicine doctors across the United States shows that charges varied widely, but that on average, adult patients are charged 340 percent...

More than 8 million children could face higher insurance costs without CHIP
More than 8 million children enrolled in the Children's Health Insurance Program (CHIP) could be at risk of losing coverage if federal funding for the program is not extended this year.

Time for physicians to prepare for impending appropriate use mandate
Within a year, the Centers for Medicare & Medicaid Services (CMS) will implement a provision in the Protecting Access to Medicare Act (PAMA) that requires physicians to consult appropriate use...

Trump's policies set to damage health and science, warns The BMJ
The BMJ warns that Trump's administration "is acting in ways that will suppress research and limit communication on scientific topics that it deems politically inconvenient.

Many cancer survivors change their prescription drug use for financial reasons
A new analysis indicates that many cancer survivors change their prescription drug use (including skipping doses or requesting cheaper medications) for financial reasons.

Insurance status impacts complication rates after shoulder replacement surgery
Patients undergoing shoulder replacement surgery who have Medicaid, Medicare or no health insurance, had higher complication rates as compared to patients who had private insurance.

Examining different accountable care organization payment models
Two new studies published online by JAMA Internal Medicine take a look at different accountable care organization (ACO) payment models.The first study by J. Michael McWilliams, M.D., Ph.D.