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Disability Cover (Accident & Sickness)

You will be deemed to be disabled if you are suffering from a condition that stops you from doing your normal work and this is confirmed by a doctor or consultant. You must also not be receiving any form of payment or reward other than statutory sick pay. We will consider the first date of your disability to be the date on which a doctor or consultant first certifies that you were unable to work. The main reasons the policy does not pay out for disability are:

• You knew you would become disabled on or before the start date;
• Your disability is due to a pre-existing condition;
• Your disability is due to a chronic condition;
• Your disability is due to a self inflicted injury;
• Your disability is due to alcohol or drug abuse;
• Your disability is due to stress, anxiety, depression or a nervous disorder unless a suitably qualified consultant certifies the condition;
• Your disability is due to backache or back related conditions where there is no physical or radiological evidence of a medical abnormality unless a suitably qualified consultant certifies the condition
• Your disability is due to normal pregnancy. If your mortgage, rental agreement or loan has been in force for more than a month on the start date of the policy you are classed as an existing borrower. If you are an existing borrower, you cannot claim for disability if this occurs (or you were notified of disability) in the 90 days following the start date of the policy, this is increased to 120 days following the start date of the policy if your monthly benefit is £1,000 or over. The full details of disability cover are shown in the policy document.