Sickness and accident protection cover (Prestige level only)
Please check your specific membership plan to make sure that this benefit is included in your level of cover. These terms are not specific to Essentials and Tailored membership plans.
Please call the claims department on 01270 588555 or email claims@healthshield.co.uk before you make a claim. Your Prestige-level contributions are covered for up to 12 months when you or your partner (if they are covered) are continuously off work for at least 30 days due to one of the following.
- Sickness
- Accidental injury
Sickness and accident protection cover only applies if you or your partner (if they are covered):
- have completed a qualifying period of 13 weeks;
- are in full-time employment and between the ages of 16 and 64;
- are not aware of any medical treatment or advice you are due to receive; and
- are in good health.
If you suffer a disability, we will pay 1/30th of your monthly contribution, after the first 30 days of your disability, for each consecutive day you are disabled. We will pay the benefit every 30 days during your disability, up to a maximum of 12 payments for any one claim.
By ‘disability’, we mean being totally prevented from carrying out your normal job or work as a result of an accidental bodily injury or sickness, as confirmed by a registered medical practitioner, that takes place after the start date. ‘Normal job or work’ means paid work of at least 16 hours a week that you carry out immediately before the start of your disability, and any similar job that you may reasonably be expected to carry out.
We will not pay disability benefit for any period you are disabled after you have reached the age of 65 (or your retirement date, if earlier).
When we assess the maximum benefit period, we will treat periods of disability resulting from the same cause as being the same period of disability, as long as they are not separated by at least three benefit months before you return to work.
