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Welcome to Cheapest Sickness Protection UK !

You're just one click away from saving money! Here at Cheapest Sickness Protection UK not only do we show you who has the most attractive deal but we also give you information as to who is offering introductory discounts and other loyalty incentives. Compare major UK Sickness Protection providers online right now. Cheapest Sickness Protection UK make it easy and quick for you - we have banned those annoying "popups" on all cheapest sites - if you spot any or want to get in touch with us about other matters please click on the Cheapest Offer link at the bottom of this page!

To get started, simply click on "Apply Now" and find a Sickness Protection provider that suits your needs. You will be linked to an online application which only takes a minute or two to fill out. Thank you for stopping by, and be sure to bookmark this site!

About Sickness Protection

What would happen to you and your family if you became sick, had an accident or suffered from a disability that prevented you from working? How would you cope financially? Many people still think that if any of the above should happen the safety net of the welfare state will look after and protect them. Think Again! The rules governing claims have changed dramtically and today, those who would previously have been able to get state support, those people will not qualify for benefit.

Before April 1995, you could qualify for long-term sickness benefit if you were rendered incapable, by illness or disability, of doing your own job of work. Now the rules state that you will only qualify for long-term sickness benefit if you cannot do any job of work, in other words, only if you are completely incapacitated. This means that, to all intents and purposes, there is currently no long-term sickness benefit in the UK.

When you put this fact alongside the progressive reduction in the value of the State's long-term sickness benefit, you will see that the need to make provision against being unable to work in your usual occupation because of sickness or disability has become a real necessity.

Even if you do succeed in getting long-term sickness benefit from the State, that benefit is now taxed and, if you were not claiming before 13 April 1995, you will not get the earnings-related top up. This used to be as much as £85 a week. In other words, if you are not in a company scheme, you need to make private provision.

Income Protection

Sickness Protection can be better described as Income Protection, you pay money to an insurer for a policy that will guarantee a level of income should you become ill, injured or disabled. This can be broken down further. Income Protection can be split into three basic catagories, Permanent Health Insurance (PHI), Critical Illness Insurance and Mortgage Protection Insurance.

Critical Illness Insurance

Insurance Policies that cover critical illness are designed to pay out a lump sum in the event that you are diagnosed with a specified illness such as terminal heart condition, cancer, motor neurone disease, kidney failure, stroke, multiple sclerosis, etc. You receive an agreed sum either when the illness is first diagnosed or in the event of death.

Permanent Health Insurance

Permanent Health Insurance is also known as 'income protection' and 'income replacement' and provides a tax free income if the policy holder becomes unable to work through illness. An income is paid until retirement age or until the policy holder is able to return to work. PHI pays you a tax-free income, usually roughly equal to 60% of your earnings at the time of disability, less anything you receive from the State or a former employee scheme.

Mortgage Protection Insurance

Mortgage protection ensures that if you become unemployed or disabled through an accident or sickness so that you become unable to work, your mortgage payments (or part of your mortgage payments) are paid for on your behalf.

To confuse matters more, many of the above forms of protection are available as 'stand-alone policies' or as 'add-ons' to products, Life Assurance in it's many incarnations is probably the best known. Some policies also have their own protection 'built-in'. To try to help in clarifying matters and because so many of these policies are linked we have included sections describing Life Assurance, Term Assurance and Whole of Life Cover. For more information, please click on the links below.

Also included is a glossary which should help you to understand many of the commonly used terms, and a section devoted to the pro's and con's of using an insurance company or a broker.

Good luck in your search, please remember to be careful when choosing your policy. Don't sign unless you are sure you understand exactly what the policy gives you and whether it suits your needs. Check out our Policy Guidelines page for some helpful and essential advice.