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Coronavirus update on Protection claims

As a long-standing protection provider, we’re committed to being there to support our members financially, emotionally and practically throughout the life of their policy.

With the nation in unchartered territory, it has never been a more important time for the protection industry to demonstrate flexibility, by adapting claims and underwriting processes and responding quickly to best serve the changing needs of those impacted by COVID-19.

Below we provide our claims position regarding COVID-19.

Death claims

Death claims for a customer who has suffered COVID-19 will be assessed and paid in line with the policy terms and conditions.
Document behind a shield

Critical Illness claims

COVID-19 isn’t covered as a specified condition on our Critical Illness or Combined Life and Critical Illness polices. However, we recognise it may become serious, and this could result in other policy criteria being met - for example, severe lung disease or kidney failure.

In this case, any claim would be assessed and paid in line with the policy terms and conditions.
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Income Protection claims

The minimum waiting period we offer for our traditional Income Protection is 1-month. As the majority of sufferers experience only mild symptoms over a short period of time, we don’t anticipate COVID-19 to be a cause of claim for your clients with Income Protection.

We do recognise though that for some of your client’s symptoms may be more severe, especially if they have complications or underlying medical conditions.

In this instance if they have a confirmed diagnosis of COVID-19, or symptoms suggestive of COVID-19 which make them too ill to work for longer than 1 month, we’ll assess and pay their claim in the usual way reflecting their chosen waiting period and the policy terms and conditions.
Stethoscope next to a checklist

Personal Sick Pay claims

Personal Sick Pay (our Income Protection for clients in riskier occupations) has shorter waiting periods of day 1 and 1-week. We recognise that we may receive claims when your clients are unable to work due to having a confirmed diagnosis of COVID-19 or symptoms suggestive of COVID-19 which makes them too ill to work.

  • For Personal Sick Pay policies taken out before 29 October 2020: we’ll assess and pay their claim in the usual way reflecting their chosen waiting period and the policy terms and conditions. Your client’s policy covers them if they’re unable to work due to an illness or accident. We will therefore not consider periods of self-isolation.
Due to the impacts of COVID-19 we temporarily suspended new business applications for Personal Sick Pay with day 1 and week 1 waiting periods from 27 March 2020.

On 29 October 2020 we re-introduced Personal Sick Pay with day 1 and week 1 waiting periods with COVID-19 provisions.

  • For day 1 and week 1 Personal Sick Pay policies taken out after 29 October 2020: In response to the current situation, we won’t currently pay a claim due to symptoms or complications of COVID-19 or other coronaviruses, respiratory tract infection, cold or flu if your client is unable to work for less than 4 weeks.
  • If your client’s symptoms are more serious and last beyond 4 weeks, we’ll consider their claim and backdate any claim payments to start from their first day off work or a week after (depending on their waiting period).
  • Your client’s policy covers them if they’re unable to work due to an illness or accident. We will therefore not consider periods of self-isolation.
  • For all other waiting periods: we’ll assess and pay your client’s claim in the usual way reflecting their chosen waiting period and the policy terms and conditions.

Your client’s policy covers them if they’re unable to work due to an illness or accident. We will therefore not consider periods of self-isolation.

More on Personal Sick Pay reintroduction of waiting periods.

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Protection Pays

Protection Pays is our regular claims and underwriting publication that provides you with the latest claims insights, tips and case studies to support your conversations.

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For questions and queries about our COVID-19 claims position, please speak to your account manager.