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An accidental illness is basically an accident which prevents your ability to work or attend work. It could something as simple as a fall.

Payment protection usually covers four or five elements:

Life cover....Loan paid off in the event of your death

Critcal Illness cover....Loan paid off in the event of you getting a critical illness, though these are usually listed in the policy

Accident cover....payments made for you until you return to work or for an agreed period.

Sickness cover....as in accident cover. Usually you will not be able to claim for any pre-existing illness' and certain illness' eg. Depression

Redunancy/Involuntary Unemployment cover....Payments made for you until you secure another job or for 6 or 12 months (max) You would then have to make (usually) 6 more payments yourself before you are able to claim on this again and would need to have made at least (usually) 6 payments before any initial claim. You will not be able to claim if you are aware of imminent redunancy.

Check your policy for claims procedure, though if it is your policy all of this should have been thoroughly explained to you or the people providing cover have failed their FSA (Financial Services Authority) requirements.

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Elza Olson

Lvl 13
3y ago

What else can I help you with?