Unemployment, accident & sickness insurance Eligibility for Cover

We are a company that excels in customer service and over the years, have been ardent lobbyists for unemployment, accident and sickness insurance providers to make potential purchasers more aware of their eligibility for this cover. It is only right therefore, to draw your attention to our eligibility criteria.

Before purchasing any type of insurance, it is vital you assess whether this cover is suitable for your needs and satisfy yourself that if you did make a claim, you would be able to receive the benefits on offer. Too many people are sold cover they are unable to claim on, so in a bid to reduce these numbers, we have produced a checklist which enables you to determine whether unemployment, accident and sickness insurance is right for you.

Please go through this checklist before applying for cover to ensure you meet the eligibility criteria. Only those meeting the conditions detailed in this section will be eligible to receive benefits.

• I am aged over 18 and under 65. If I am close to 65 I appreciate that cover will automatically terminate when I reach the age of 65 and that any benefit payable under the policy will terminate when I reach age 65 if it has not terminated before that date.

• I am permanently living and working in the UK.

• I am actively working in paid employment for at least 16 hours per week and I am eligible to register as unemployed.

• My work is not: temporary (including agency work), casual, seasonal, irregular, a period of training/apprenticeship or for a specific task.

• I have worked continuously for the past six months and if not, I am aware that I will need to have done so before I can claim for unemployment benefits.

• I am aware that I must continue to pay my premiums on time.

• I am aware that I will not be covered for any accident or sickness that occurred before the start date of my policy, or for any chronic or continuing medical conditions that I already have.

• If I am a Contract Worker (as defined by this insurance) my contract must be for a fixed term of at least 12 months. Furthermore I am aware that unemployment will not be covered beyond the date my contract would have otherwise expired naturally. I also appreciate that I will not be covered for non renewal of my fixed term contract unless I meet the specific conditions of the policy and specifically Section 6 exclusion vi).

• If I am Self-Employed (as defined by this insurance) I am aware of the additional requirements I will need to meet to support a claim. I appreciate that I must have involuntarily ceased to trade and advised the HM revenue and Customs of this.

• I am aware that if the sum insured under this policy and any other similar insurance policies I may be able to claim on must not exceed 50% of my monthly earned income before tax and if I exceed this limit my benefit will be reduced.

• I am aware of the 120 day initial exclusion period for unemployment or Carer Benefit.

• I am not aware of any impending unemployment, whether or not I have received official notification and my employer has not announced any job losses, any departmental or company restructure or merger with another company. Furthermore, I am aware that I will not be covered for unemployment that arises from any programme of job losses, any departmental or company restructure, or merger with another company, announced by my employer before the start date of my policy, or within 120 days after the start date of my policy.

• I appreciate that carer cover will not pay for me acting as a carer if at the start date I was aware of the need or the likely need at any time in the future of a carer being required for a family member.