You want to ensure that you receive a monthly income if you became sick, unemployed or had an accident for as long as you were off work (i.e. no limit of 12 months) or until the insurance policy finished whichever came sooner.

You need Permanent Health Insurance.

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Why should you have Short Term Income Protection Insurance?: The chances of you being off work for more than 30 days are quite high. Short Term Income Protection Insurance will help provide the income you need.
How Much Will It Cost?: You can have Short Term Income Protection Insurance for either unemployment alone, or sickness and accident alone, or all three. The costs of the policies is much lower than you'd expect.
Will Short Term Income Protection Insurance pay out immediately you make a claim?: You have to be off work for 30 days before you can make a claim but the income is then backdated to the very first day you were off work.
How much should you insure for?: Most people get enough income protection insurance to cover their fixed monthly bills plus sufficient for day to day living expenses.
Will a claim under a Short Term Income Protection policy affect any State benefits to which you may be entitled?: No. Whilst your Short Term Income Protection policy replaces part of your income, the insurance payouts you receive do not qualify as income in the eyes of the Benefits Agency or the Inland Revenue.

Permanent Health Insurance is both complicated to apply for and the premiums are costly. Consequently, it is not available here online. If it’s Permanent Health Insurance you want, we suggest you contact a local Independent Financial Adviser.