We don't exclude any particular occupations, but you must have a permanent employment contract with no set end date for us to consider you as ‘employed’.

However, if your employment is temporary or casual, or your employment contract is with an employment agency rather than the company you’re working for, you'll not be eligible for Lifestyle Cover.

Please Note: We don't cover ‘zero hour’ contracts, for example if your employer doesn't have to provide you with any minimum working hours, and you don't have to accept any of the hours offered.

Below we show you how Lifestyle Cover insurance will effect you if you're employed.  

 

Accident or Sickness

Unemployment
Eligibility

You can take out Lifestyle Cover to protect your income if you can't work because of an accident or sickness, as long as you meet our eligibility criteria.

You don't need to tell us your medical history when you apply, but we'll check this when you make a claim.

We don’t specifically exclude chronic conditions, such as:

  • Asthma
  • Cancer
  • Diabetes
  • HIV/AIDS

However, you'll not be able to claim in the first 12 months of cover for any illness or disease, which you suffered from in the 12 months before this cover started.



You can take out Lifestyle Cover to protect your income if your employment ends due to circumstances outside of your control, as long as you meet our eligibility criteria.

This policy will protect your income if your employer makes you redundant, but not if you choose voluntary redundancy or if your unemployment is due to disciplinary action by your employer.

You'll not be able to claim for unemployment benefit if you've had prior notice that you could be made redundant or lose your job. By this we mean your employer formally telling you verbally (face -to-face, over the phone) or in writing about a reorganisation, restructure or programme of redundancy which affects your role. This applies either before you take out Lifestyle Cover, or within the first 60 days of cover, when you'll not be able to claim for unemployment benefit.
Claims When you make a claim for accident or sickness, you'll need to send us:

1. confirmation from your doctor that you're off work; and

2. confirmation from your employer that you're absent from work; and

3. proof of your gross monthly income. For this we will need your last three payslips and bank statements showing that these payments have been made to you.

Note: While we'll accept certification from your doctor for most illnesses, for us to consider your claim we do need a suitably qualified consultant to confirm that you’re unable to work in the case of a back-related condition. For us to consider your claim for depression the symptoms must be certified as severe by a suitably qualified consultant or doctor.
When you make a claim for unemployment, you'll need to send us:

1. confirmation from your employer of the date you were first told you could be made unemployed and the date your employment ended;

2. confirmation from the Jobcentre (this means you must satisfy the terms of your Claimants Commitment to be able to claim on this policy – your Jobcentre will usually issue you with a benefit award letter which contains this information); and

3. proof of your gross monthly income. For this we'll need your last three payslips and bank statements showing these payments have been made to you.

Qualifying period There's no initial exclusion period under our Accident and Sickness insurance, unless you have a pre-existing medical condition. There's an initial exclusion period under our unemployment insurance. This means that you won't be able to claim if you're made unemployed, or told by your employer that you may lose your job, in the first 60 days from the date your cover starts.

However, we can provide unemployment cover as soon as you add it to your policy if it's replacing another policy, either from us or another insurer (and your other policy has been active for at least 12 months immediately before taking out this unemployment cover), which offers unemployment protection. Terms and conditions apply and you can find them in the policy document.

 

Limitations and exclusions apply. For more details of what is and isn’t covered, please read our  Lifestyle Cover Insurance Key Features   PDF: 233KB  or for full details see our  Lifestyle Cover Insurance Policy Booklet  PDF: 373KB