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Accident, Sickness and Unemployment

Payment protection insurance (otherwise known as short term income protection) and mortgage payment protection insurance, are both different forms of accident, sickness and unemployment cover, more commonly known ASU.

You can have full accident sickness and unemployment cover, or just standalone unemployment cover.

These policies are less comprehensive than Income Protection cover, they cover you for a maximum period of two years for a monthly benefit amount which can be a maximum of up to 75% of your annual salary. It can be used to ensure that if you are off work due to accident, sickness or unemployment that your mortgage payment is covered.

There will normally be a deferred period attached to the policy which will be the length of time you will wait before the monthly benefit is paid. A lot like the Income Protection cover this will depend on any sick benefits you get through work if you are applying for the accident and sickness element of the cover.

As with all insurance policies, terms, conditions and exclusions will apply.




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