Our panel of carefully selected Specialist Insurance Providers can help you find the right Personal Accident & Sickness Cover policy.
SynergiseUK is not an insurance provider — we connect you to trusted specialists who can tailor cover to your needs.
Personal Accident & Sickness Cover provides financial security if you are unable to work due to an accident or illness. The policy pays a regular income or lump sum depending on the plan, helping cover living costs, mortgage payments, or other essential expenses. This cover is suitable for homeowners, tenants, and landlords who want peace of mind if an accident or illness affects their ability to earn.
Who Is It For?
- Individuals seeking protection against loss of income due to accident or sickness
- Families who want to safeguard their finances in case of unexpected illness or injury
- Homeowners or mortgage holders needing to protect their home
- Self-employed individuals or anyone without employer-provided sick pay or income protection
What Does It Cover?
- Financial support if you are unable to work due to an accident or sickness
- Regular income or lump sum payments depending on the policy
- Support for mortgage payments, rent, living costs, or other financial obligations
- Optional coverage for long-term illnesses or severe injuries
Why Choose Personal Accident & Sickness Cover?
- Provides financial protection when your ability to earn is affected by accident or illness
- Helps cover essential costs such as mortgage payments, rent, and household bills
- Offers peace of mind for self-employed individuals or those without employer sick pay
- Suitable for homeowners, tenants, and landlords
Important Considerations
- Policies may have waiting periods before payments begin
- Coverage depends on the definitions of accident or sickness in your policy
- Pre-existing medical conditions may affect eligibility or premiums
- The policy may offer short-term or long-term protection depending on the provider and plan
Protect Your Income and Wellbeing Today
Ensure financial security for yourself and your family with tailored cover from SynergiseUK. Protect your income if illness or accident prevents you from working.
Frequently asked Q&A's
It is a policy that provides financial support if you are unable to work due to an accident or sickness, paying a regular income or lump sum depending on your plan.
Homeowners, tenants, landlords, self-employed individuals, and anyone seeking income protection.
Coverage depends on underwriting. Some pre-existing conditions may be excluded or affect premiums.
Policies may provide regular income for a set period or a lump-sum payment depending on the policy chosen.
Yes, most policies have a waiting period before benefits are paid, which varies by provider and plan
It can complement income protection but is not a full replacement, as the coverage and benefit structure may differ.
Yes, it provides essential financial support for those without employer-provided sick pay.
Yes, accidents occurring at home, work, or elsewhere are generally covered according to policy terms.
Most payouts are tax-free, depending on the policy and UK tax rules.
Your specialist insurance adviser will guide you through the claims process for efficient and quick reimbursement.
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