If you do not have good company sickness benefits you could find yourself suddenly without an income at the worst possible time. Sickness Insurance, known as Mortgage or Income Payment Protection Insurance can ensure that if you are unable to work and suffer loss of income due to sickness you can receive a monthly benefit to enable you to continue your mortgage or household repayments without worry.

Sickness insurance is sold by Ant Insurance as an Accident, Sickness and Unemployment policy and you can have it either as an Accident & Sickness policy or you can add Unemployment to it and protect yourself against all eventualities.

If you take the Sickness insurance as an ASU policy no medicals are required and individual habits such as smoking do not affect your policy.  However this should not be confused with a Permanent Health policy that does require more stringent medical checks and your individual habits could increase your premium.

Sickness insurance, like all payment protection policies, does have exclusions the most notable being pre-existing conditions.  It is important that you check with your provider what the terms and conditions are for the sickness insurance as regards pre-existing conditions.