No penalties or age exclusions
Underwritten based on absence history in the last 12 months
Cover to age 70
Not penalised based on your age, sex or smoker status
Exclusions automatically removed if no absence history in previous 12 months

Key features
Cover for pre existing conditions if absence outside 12 months prior to application
Guaranteed premiums - 100% of benefits payable for all claims
No requirement for receipts or sight of accounts
No need to employ a locum for benefits to be payable in the event of a claim.
Full cover for stress and depression ( Medical Practitioner diagnosis)
Capital and Death Benefits
Compassionate leave for when an insured member needs to takes time off as a result of a family illness or bereavement

Valuable additional benefits
Suspension cover and Jury Service cover
Full cover against hazardous and winter sports
Cover for Practice Managers / Nurses and Administration staff
Rehabilitation benefit
Maternity / Adoption leave cover – a single payment of £5,000
Pregnancy related illnesses         For adoption and paternity leave
Phased return option – phase your return back to work over a 7 week period