PERSONAL PLAN CHOICES

With income protection cover we make sure that in case you are incapacitated to go to work because you had a serious injury or were diagnosed with a serious  or critical illness condition, insurance company will top up the statutory sick benefit you would be receiving from the employer to be able to pay basic financial commitments or even to maintain your standard of living with only a sick note.

You will be receiving 60 % of your gross income monthly for as long as you would need to recover until you will be able to go back to your work or even until retirement if you would not be able to work again in your own occupation.

Best thing with Income protection is that there is no list of conditions you need to have in order to get paid every month. Any serious condition or injury that lasts more than 4 weeks (if 4 weeks is your deferred period when insurance company calculates the loss of income ) would be eligible for monthly payments.

Also during the plans lifetime,  it could happen that you would claim multiple times, your premium would not raise because of this  and it would stay the same during the years of your cover.

Income protection cover protects also your savings as you would not need to use them , if you had a long term illness or serious injury.

Get in touch to learn more information.

If a kid is serious ill, would you like to have additional financial resources ?

 A lump sum of money will give you access to private doctors and a second opinion. You could also stop working for some months and stay home with your kid .

With child serious illness cover with 2.50 £ per month your kid is covered for 25.000 £ lump sum payment in case it's seriously ill and this condition is in the insurers list of serious illness conditions. 

Insurance company will cover up to 174 serious illness conditions in 14 body areas.

You can select a coverage up to  50.000 £ sum assured from each parent for your children.

Basic mortgage insurance is insurance for premature death  of any of the mortgage owners during the repayment of the loan by the borrower/s.

This  mortgage insurance covers exactly the amount of the mortgage loan  and term of repayment so that it would  fully repay it if there would be a premature death.

Usually this is a decreasing cover , this means that the mortgage repayment amount decreases over the years as your mortgage loan sum is decreasing to fully repay only the amount due.

For the same amount of the mortgage loan and term, you can also have critical illness insurance coverage, so that in the event of a stroke, heart attack, cancer, and other critical illnesses that are on the insurance list, there would be a repayment of the remaining amount that would correspond to the amount due of the mortgage loan.

There are cases where some people because of their medical record, they can't have any kind of insurances.

TO START WITH, please allow me to check if I can find you an insurance who would cover you for a serious injury, a diagnosis of a critical condition or premature death.

IF WE DONT GET A POSITIVE RESPONSE.

In this case you can have  accident insurance where you could receive a lump sum of money if you have

a serious injury, accidental permanent injury,  accidental death.

THERE IS ACCIDENT INCOME PROTECTION

In this case you can receive a monthly payment of  70% of your gross income , for up to 24 months benefit. 

THERE IS GUARANTEED LIFE ASSURANCE

In this case you can have a whole of life cover without an expiration date. This means a certain payment to your family members when ever you would die.

You need to be 50-80 years old when you take on this kind of insurance.

PARTIAL PROTECTION IS BETTER THAN NO PROTECTION AT ALL.

I COOPERATE WITH AXA, BUPA & VITALITY ON PRIVATE MEDICAL INSURANCE.

Private health insurance:

 Private medical insurance is designed to cover  the cost of private medical investigations and  treatment for ‘acute conditions’ that start after  your policy begins. 

 An acute condition is a disease, illness or injury that is  likely to respond quickly to treatment that aims to  return you to the state of health you were in  immediately before suffering the disease, illness or  injury, or which leads to your full recovery. 

 When life throws you an unexpected  challenge, access to diagnosis and  treatment are what matters most,  along with genuine help, support and  understanding from people who care. 

 The earlier you get help, the sooner you  can start feeling like yourself again. 

 With Private Health Insurance cover you’re seen  and treated quickly when you’re ill. 

You’re  treated in a private hospital, or the private  wing of an NHS hospital. And you have your  treatment in comfort – usually your own  room, an en-suite bathroom, and flexible  visiting hours. 

What’s more, if you have cancer cover,  you can access breakthrough treatments,  including new cancer drugs, as soon as  they’re licensed – meaning there’s evidence  they work. 

HOME INSURANCES:
With home insurance you have the choice to protect your house with building insurance, contents insurance, home emergency cover, accidental damage cover, family and legal protection cover or personal possessions cover.   
You will find more details for the above mentioned covers in the below paragraphs:
Buildings Insurance:  Buildings Insurance covers  the structure of your home,  including the roof, walls,  and outbuildings, as well as  permanent fixtures inside, such  as kitchen cabinets, toilets and  fitted wardrobes.
It pays  up to £1million to cover loss or damage to your buildings caused by certain events such as fire, storm, flood, theft, escape of water, malicious damage and vandalism
Contents Insurance : Contents Insurance covers  your household belongings  if they are damaged, lost or  stolen. This protects things like  furniture, TVs, technology and  clothing .
It can pay   up to £75,000 to cover loss or damage to your contents caused by certain events such as fire, storm, flood, theft, escape of water, impact, subsidence, malicious damage and vandalism. This limit may be increased to £100,000.
Home Emergency Cover : Call our helpline (24/7 all year  round) and you won’t have to  worry about finding a tradesman  at short notice or paying over the  odds for emergency assistance.  We’ll send an approved  tradesman to make your home  safe, secure, habitable, and help  prevent further damage.
Accidental Damage Cover : Accidental Damage Cover is  designed to protect your buildings and / or contents  against damage that is caused by  unintended accidents, which could  include spillages and breakages in  the home .
Family Legal Protection Cover Disputes can occur at any time  and range from employment  issues, personal injury claims and  problems with tradesmen working  at your home. Our legal cover is  here to help.
Personal Possessions Cover Standard contents insurance only  covers items inside the home -  not outside. If you need to cover  items such as cameras, mobile  phones, bicycles, watches and  jewellery when away from your  home then you can add Personal  Possessions cover to your home  insurance policy.  

Get in touch please to see what your needs are and which cover/s you need.