What is Accident & Sickness cover?
Unlike some traditional income protection products, Accident & Sickness* cover offers transparent, inclusive and flexible pricing to help provide financial protection during illness or injury for a maximum of 3 months per claim.
Good to know
No Medical Questions
You won’t be charged or refused for existing medical conditions. As long as you are symptom free, or (for illnesses) you’ve had the policy for 18 months, you’ll be covered.
No Occupation Penalties
There is zero penalty for your occupation – so even if you’re in a high-risk job, you can get the same cover at the same cost as everyone else.
Flexible Cover
Most of all, you’re in control. We have a modular setup that lets you pick the cover that’s right for you, with additional add-ons for family & extra services to make it totally customisable.
Speedy Payouts
Traditional IP has a minimum wait period of four weeks, but Accident & Sickness starts paying out in just two.
Looking for longer-term Protection?
This cover is designed for short-term setbacks. Choose full Income Protection for long-term financial security
Why choose TOM?
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Receive a payout for up to 3 months if you’re unable to work due to accident or illness. This helps you maintain your lifestyle and cover essential expenses when you can’t earn as usual.
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Get a lump-sum payment if you suffer a bone fracture, helping you manage medical or everyday costs while you recover.
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Your loved ones will receive a tax-free lump sum if you pass away due to an accident, providing crucial financial support at a difficult time.
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A set payment is provided to your beneficiaries if you pass away from natural causes, helping with immediate expenses like funeral costs.
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Speak to a private GP at any time, day or night. Get medical advice and prescriptions without waiting for appointments. 100% customer satisfaction rate [2]
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If you’re injured or ill, you’ll have access to funds to support your recovered, such as for physio, counselling, or specialist therapies.
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Help protect the ones you love by including your partner and children in your cover. It’s a simple way to extend your coverage and help you share the benefits of your policy. Please note income benefit does not apply to additional applicants.
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Enjoy 24/7 access to our Dental Helpline, connecting you directly to qualified dentists for advice and support whenever you need it.
Accident & Sickness FAQs
Can I claim more than one benefit at a time?
Yes, you can claim more than one benefit at a time. For example a leg fracture might qualify for fracture benefit and result in an income benefit claim because you cannot work for more than 14 days.
Can I still get payouts and benefits after I’ve already claimed?
Yes. you can keep claiming benefits as long as you meet the rules for each one and your policy remains active.
- Income benefit can be claimed up to 5 times in 5 years (usually for 3 months per claim)
- Fracture cover resets each year, so you can claim again for new fractures
- Other benefits can be claimed again if within your policy limits
Limits and policy rules apply, check your documents for details.
Do my partner or children get the same level of cover?
Your partner and children can be added to your policy, but their cover is different from yours. The key difference is that only you receive the income benefit. However, your partner and children are covered for the other benefits, though with lower payout limits than the main policyholder.
References
*Sickness cover available as an optional extra. T&Cs apply.
[1] https://nationalfriendly.co.uk/adviser/bruised-britain/
[2] https://nationalfriendly.co.uk/adviser/friendly-gp-and-friendly-gpplus/