IP Policy Features
A side-by-side comparison of key features across leading Income Protection providers — including hospitalisation benefit, fracture cover, parent & child cover, linked claims and more.
Hospitalisation Benefit
1/3 providersA cash payment per night when a client is hospitalised during their deferred period.
Parent & Child Cover
1/3 providersA lump sum paid if a child is diagnosed with a serious illness or has an operation.
Fracture Cover
2/3 providersA lump sum paid if a client suffers a specific bone fracture — no waiting period required.
Linked Claims Period
3/3 providersIf the same or a related illness recurs shortly after a claim ends, the deferred period is waived.
Back-to-Work Payment
2/3 providersAn additional payment in the first months of returning to work to ease the financial transition.
Rehabilitation Support
3/3 providersProfessional support services to aid a client's recovery and return to work.
Minimum Benefit Guarantee
3/3 providersA guaranteed minimum monthly payout regardless of earnings at point of claim.
Unemployment Payment Holiday
1/3 providersPremiums waived if the client is involuntarily made redundant.
NHS / Teachers Sick Pay
3/3 providersSpecial arrangements for public sector clients with structured sick pay schemes.
Death Benefit
2/3 providersA lump sum paid to the estate or beneficiaries if the client dies during the policy term.
Increasing Cover / Inflation Proofing
3/3 providersOptions to increase the monthly benefit each year to keep pace with inflation.