Accident & Sickness Protection

What Is Accident & Sickness Protection?

Accidents and illness can happen when you least expect them, potentially affecting your ability to work and maintain your usual lifestyle.

Accident & Sickness Protection can help provide financial support offering additional peace of mind for active people and sporting families.

Our advisers can help you explore suitable options from a range of UK insurers, explain how different policies work, and help you make informed decisions based on your individual circumstances.

If you participate in higher-risk sports or activities, it is important to discuss these with your adviser so that suitable recommendations can be made.

Many people choose to combine Accident & Sickness Protection with other forms of protection, such as Income Protection, Life insurance or Critical Illness Cover, depending on their individual circumstances and needs.

Cover, benefits, exclusions and eligibility criteria will vary between providers and products. Before taking out any policy, it is important to review the policy documentation carefully to understand what is and isn’t covered.

What Can Accident & Sickness Protection Help With?

Accident & Sickness Protection can provide financial support following a range of covered events, depending on the policy selected. Benefits, cover limits and eligibility criteria will vary between insurers and products.

Broken Bones

Some policies may provide a benefit following a fracture or broken bone caused by an accident. The amount payable and circumstances covered will vary between policies.

Hospitalisation

Certain policies may provide a benefit if an accident or illness results in a hospital stay.

Sports Injuries

For active individuals and sports participants, some policies may provide support following covered injuries sustained whilst taking part in eligible activities.

Everyday Accidents

Accident & Sickness Protection isn’t limited to sporting activities. Many policies can also provide benefits following accidents that occur during everyday life.

Accidental Death

Some policies may include an accidental death benefit designed to provide financial support to loved ones following a covered event.

Recovery Support

Financial assistance during recovery may help by aiding a quicker recovery

Additional Peace Of Mind

Many people choose Accident & Sickness Protection as part of a wider financial protection strategy for themselves and their families.

The benefits available will depend on the policy selected and your individual circumstances. It is important to review policy documentation carefully to understand the cover, exclusions and limitations that apply.

Who Is Accident & Sickness Protection Suitable For?

Accident & Sickness Protection may be suitable for individuals looking to add an extra layer of financial security should illness or injury affect their ability to work, maintain their income or continue with their usual lifestyle.

Active Individuals

People who enjoy an active lifestyle and want additional financial protection should an unexpected accident or illness occur.

Sports Participants

Those who participate in sport recreationally, at amateur level or semi-professionally and want to explore suitable protection options.

Self Employed Individuals

People who may not have access to employer sick pay and are looking for additional financial support during periods of illness or injury.

Business Owners

Business owners who want greater peace of mind and protection against the financial impact of being unable to work.

Families

Parents and families looking to strengthen their overall financial protection arrangements and provide additional reassurance.

Employees

Individuals who wish to complement existing workplace benefits with additional personal protection.

Our advisers take the time to understand your circumstances, lifestyle and protection needs before helping you explore suitable options from a range of UK insurers. All recommendations are based on your individual circumstances and are subject to eligibility, underwriting, terms and conditions.

Accident & Sickness Protection FAQs

If you’re considering Accident & Sickness Protection, you may have questions about how the cover works and whether it’s suitable for your circumstances. Here are some of the most common questions we receive.

Can sports participation affect my cover?

Some sports and activities may affect eligibility, available cover or premiums depending on the insurer and policy selected. It’s important to discuss any sporting activities with your adviser when exploring protection options.

Will all illnesses be covered?

Coverage varies between insurers and policies. Exclusions, waiting periods and qualifying criteria may apply, so it’s important to review policy documentation carefully before proceeding.

Can self-employed people apply for Accident & Sickness Protection?

Many insurers offer Accident & Sickness Protection options for self-employed individuals. Eligibility, underwriting requirements and available benefits will vary between providers.

Can I combine Accident & Sickness Protection with other policies?

Many people choose to combine Accident & Sickness Protection with other forms of cover, such as Income Protection, Critical Illness Cover or Life Insurance, depending on their needs and objectives.

How do I know which policy is right for me?

Our advisers will take the time to understand your circumstances, needs and objectives before helping you explore suitable options from a range of UK insurers.

If you have any questions about Accident & Sickness Protection, our advisers are here to help. Contact us to discuss your circumstances and explore suitable protection options.

Ready To Explore Your Protection Options?

An accident or illness can have a significant impact on your finances, which is why it’s important to have the right protection in place. Our advisers can help you explore Accident & Sickness Protection options from a range of UK insurers, explain how different policies work and help you make informed decisions based on your individual circumstances.

Why Worx?

An unexpected illness or injury can significantly impact your finances. Accident & Sickness Protection helps provide financial support while you’re unable to work, giving you peace of mind during your recovery.