Income Protection Cover
Get more from our 5-star rated Income Protection Cover
Both our Primary and Comprehensive Cover are competitively priced with market leading benefits and innovative features. Take a look.
More clarity about the benefits you get
If you're unable to work through illness or injury, you can feel confident that you are protected because our cover comes with greater certainty that we'll pay out what we agree to. When you verify your salary at the application stage, we'll guarantee you receive the agreed amount when you claim.
More protection if you're unable to work
You'll have guaranteed protection if you're unable to perform your own role due to ill health. Other insurers may not pay a benefit, and instead they may expect you to take an alternative job that may not be suitable for you. Our approach means that you can confidently make a claim should you need to.
More benefits to help you recover
Our Recovery benefit gives you access to up to £2,000 worth of specialist care and support to help aid your recovery and return to work through such things as specialist treatments, counsellors,support groups and training courses. You'll get up to £2,000 with our Comprehensive Cover and up to £1,000 with our Primary Cover.
Depending on your circumstances, we'll help you to get better through offering:
- Help to pay for private medical treatment such as specialist doctors, hospitalisation or surgery
- Counselling or support groups
Assisted care support
- Assisted devices, including the costs to modify a house or car
- Access to a qualified nurse or carer
- Training courses to help with re-skilling if you need them, to help you get back to work.
More benefits when you return to work
Back to work benefit
If you return to full time work we'll provide you with a cash bonus. You'll get this alongside your normal salary to help with the extra costs of returning to work. The table below shows how this works:
(% of your Income Protection monthly benefit amount*)
|Primary Cover||Comprehensive Cover|
|First month back at work||25%||50%|
|Second month back at work||10%||25%|
*Available for three, six or twelve month deferred periods, for seven day or one month deferred periods the benefit is payable at our discretion.
With PruProtect, you get more than just cover
Our healthy living programme, Vitality*, helps you to live life well - and save money at the same time. When you use Vitality to get healthy, we give you money off your premiums. You could even earn rewards too. The more you take part, the more you get back.
And because you can make the most of Vitality from day one, you always get something back from your cover – even if you never make a claim. We're the only protection insurer to do anything like this *
* Premiums are not reduced for Health Cover or Vitality Plus. Also premium discounts do not apply to the Essentials Plan.
|The need for Income Protection Cover|
Why you can't always rely on State benefits
Many people believe they may be entitled to receive some financial help from their employer or through the State benefit system should something happen to them. However, in reality you may not even receive enough to maintain your current lifestyle.
Facing the facts
Important policy information:
- If you stop paying premiums, your cover stops too
- Your plan does not have any cash value at any time
- We may cancel your plan if you:
- Make any untrue statements to us, or
- Act fraudulently in any other way
- If there are government law changes it may affect how we calculate your premiums
Or call us 0845 601 0072and we'll put you in touch with a Financial AdviserLines are open Monday to Thursday, 8.30am to 6.00pm
and Friday, 8:30am - 5:00pm