Why Zurich Income Protection?

Maximum benefit guarantee

If your customer makes a claim, and the maximum amount we can pay based on their gross earnings is 90% or more of their monthly benefit, we’ll pay the monthly benefit minus any continuing income.

Minimum benefit guarantee

If your customer doesn’t qualify for the maximum benefit guarantee we’ll still guarantee to pay £1,500 a month, or the insured monthly benefit if lower, minus any continuing income. The £1,500 limit is increased to £3,000 for doctors, surgeons and dentists.

Return to work package

Phased return
If your customer returns to work on a lower income - for example, due to only being able to work reduced hours, we’ll continue to pay them a percentage of the benefit we were paying them immediately before they returned to work.

Different occupation

If your customer starts a new lower paid job, we’ll also top up their earnings.

Linked claims

After a claim has ended, if your customer goes off work again for the same or a connected reason within a 12 month period, a new deferred period won’t apply (restrictions apply if your customer has a limited term benefit period policy).

Medical professions sick pay guarantee

If a 52-week deferred period is chosen, we’ll match the sick pay arrangements of doctors, surgeons, dentists, nurses and midwives employed by the NHS or where their employer has adopted the NHS sick pay structure.

Sabbatical cover

Your customers can take sabbatical leave for up to 12 months at a time without it affecting their cover. As long as they continue to pay their premiums, if they become ill or injured during their sabbatical, we’ll assess their claim against their pre-sabbatical job and income.

Waiver of premium

Early claim notification

As soon as your customer lets us know they’re ill or injured, we can suspend their premiums immediately if they agree to, and follow the steps recommended by their claims assessor.

Standard wavier of premium
If they don’t agree to the steps we recommend, we’ll suspend their premium 13 weeks from the date they became ill or injured, or at the end of their deferred period, whichever comes first.

Maternity, paternity and adoption benefit

If your customer takes time off to be with their new baby, and they become ill or injured during the next 12 months, we’ll cover them as though they’re still working.

Own occupation guarantee

If your customer becomes unable to work due to illness or injury between jobs, and they left their last job less than three months ago, we’ll assess their claim based on their previous job and income.

House person benefit

If your customer becomes ill or injured and they haven’t done any paid work in the last three months, we can still consider claims under house person benefit. We'll pay the lower of £1,500 or the monthly benefit if they can't do at least three out of six specified activities of daily living.

Career break

Allows your customers to reduce their monthly benefit temporarily to as low as £250 per month for up to 12 months.

Milestone benefit

Enables your customer to increase their monthly benefit when significant events occur without having to answer any health questions.

Additional benefits that can be added to the policy at an extra cost.

Income Protection Enhanced

Trauma benefit

If your customer experiences one of the following life changing conditions, we’ll pay £25,000.

• Blindness
• Brain injury
• Deafness
• Loss of hand or foot
• Loss of speech
• Paralysis of limb
• Total and permanent loss of ability to live independently

Hospital stay benefit
If your customer is in hospital for seven consecutive nights, we’ll pay £150 for the seventh, and each consecutive night up to a maximum of 90 nights. Payable both during the deferred period, and after it ends.

Funeral benefit
If your customer dies we'll pay £10,000.

Multi-Fracture Cover

Pays up to £6,000 if your customer breaks a bone, dislocates a joint, ruptures their Achilles tendon or tears a cruciate ligament in their knee.

• Find out more on the Multi-Fracture Cover page

Zurich Accelerate

A range of services offering fast access and support for your customers and their children for investigations, diagnosis and international treatment for cancer, cardiovascular and neurological conditions.

• Find out more on the Accelerate page