Income Protection Insurance
Income Protection Insurance is designed to pay you a monthly income for up to 12 months per claim if you are prevented from earning an income due to an accident, sickness or involuntary unemployment. In addition, We have partnered with SQUAREHEALTH to provide a suite of medical services through mobile app e.g. 24/7 access to GP, second medical opinion service, mental health and physiotherapy services. SQUAREHEALTH services provided are not optional.
REALM INCOME PROTECTION
Please read the Insurance Product Information Document (IPID) which is a summary of the key information relating to Income Protection Insurance.
• IPID
• Frequently Asked Questions (FAQs)
The Realm Income Protection has a maximum monthly benefit of £2500 and a 120 days unemployment exclusion period.
Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The minimum deferred or waiting period is 30 days.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income Protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 120 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income Protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 120 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
| Excess Period | Benefit Paid After |
|---|---|
| 0 | 31 days (backdated to day 0) |
| 30 | 61 days (backdated to day 30) |
| 60 | 91 days (backdated to day 60) |
The maximum number of monthly benefit payments for our policy is 12 monthly consecutive payments in any one claim period. You are able to submit more eligible claims once you have returned to work for the re-qualification period of 3 months.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.
Please refer to full policy wording for details.
You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work. As evidence you will be required to provide at least 10 job applications per month during the claim period. Failure to do so may result in you not receiving your monthly benefit under this policy. This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This insurance is underwritten by AmTrust Europe Limited which is registered in England, Registered Office: Market Square House, St James’s Street, Nottingham, NG1 6FG, Registered Number: 1229676. AmTrust Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority, Financial Services number: 202189.
Yes, the monthly benefit chosen must not exceed £2000 or 65% of your normal gross monthly income.
There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;
Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.
Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.
The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 65. If you are age 64 or above, unfortunately you will not be able to apply.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting the policy administrator on 01285 626020.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting the policy administrator on 01285 626020.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.
Realm 90
Please read the Insurance Product Information Document (IPID) which is a summary of the key information relating to Income Protection Insurance.
• IPID
• Frequently Asked Questions (FAQs)
The Realm Income Protection has a maximum monthly benefit of £2000 and a 90 days unemployment exclusion period.
Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The minimum deferred or waiting period is 30 days.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 90 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 90 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
| Excess Period | Benefit Paid After |
|---|---|
| 0 | 31 days (backdated to day 0) |
| 30 | 61 days (backdated to day 30) |
| 60 | 91 days (backdated to day 60) |
The maximum number of monthly benefit payments for our policy is 12 monthly consecutive payments in any one claim period. You are able to submit more eligible claims once you have returned to work for the re-qualification period of 3 months.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.
Please refer to full policy wording for details.
You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work. As evidence you will be required to provide at least 10 job applications per month during the claim period. Failure to do so may result in you not receiving your monthly benefit under this policy. This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This Policy is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Company Limited. Millennium Insurance Company Limited are regulated by the Gibraltar Financial Services Commission (“GFSC”) under the Financial Services (Insurance Companies) Act to carry on insurance business. Reg No. 82939. Its principal office is PO Box 1314, 13 Ragged Staff Wharf, Queensway Quay, Gibraltar, GX11 1AA.
Yes, the monthly benefit chosen must not exceed £2000 or 65% of your normal gross monthly income.
There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;
Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.
Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.
The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 65. If you are age 64 or above, unfortunately you will not be able to apply.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting the policy administrator on 01285 626020.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting the policy administrator on 01285 626020.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.
REALM 6 IP
Please read the Insurance Product Information Document (IPID) which is a summary of the key information relating to Income Protection Insurance.
• IPID
• Frequently Asked Questions (FAQs)
The Realm Income Protection has a maximum monthly benefit of £1500 and a 120 days unemployment exclusion period.
Realm Protection Ltd Income Protection Insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident, sickness (disability) or involuntary unemployment / involuntary redundancy. Your outgoings do not stop just because your income does, that is why income protection can be important. You can select cover from the following options: Accident, Sickness & Unemployment (ASU) cover, Unemployment only (U only) or Accident and Sickness Only (AS Only) cover.
If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.
The minimum deferred or waiting period is 30 days.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income Protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 120 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
The wait period before you can claim will depend on the excess period you select. The longer your excess period is, the lower your monthly premiums will be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what excess period best suits your needs, consider how long you could manage financially if your income stopped or reduced if you were unable to work due to accident, sickness or unemployment. Realm Income Protection insurance offers three excess; 0 (back to day 1 cover), 30 or 60 days excess. For Accident and sickness claims the insurance will start after the excess period you have selected is over. For example, if you have chosen back to day one cover (0 day excess) you will receive payment 31 days after your claim start date, backdated to your claim start date. Likewise, if you have chosen either 30 or 60 days excess you will receive payment 31 days after your claim start date, backdated to either 30 or 60 days depending on the excess period chosen.
Claims for unemployment cannot be made within the first 120 days of the start date of your policy. After that period you can claim after the excess period you have selected, either 0, (back to day 1), 30 or 60 days has expired. The table below shows when benefit will be paid for different excess periods selected.
| Excess Period | Benefit Paid After |
|---|---|
| 0 | 31 days (backdated to day 0) |
| 30 | 61 days (backdated to day 30) |
| 60 | 91 days (backdated to day 60) |
The maximum number of monthly benefit payments for our policy is 6 monthly consecutive payments in any one claim period.
Yes as long as you meet the eligibility criteria. Just like employed people you will need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover. There are limited circumstances in which a self- employed person could make a valid claim from involuntary unemployment, please refer to the full policy wording for details.
You may be eligible to apply for Income Payment Protection Insurance; however, there are specific terms that apply for claiming unemployment benefits under the policy.
Please refer to full policy wording for details.
You will not be able to claim for any period of unemployment for which you were aware of at the start date of this policy or which occurs within the initial exclusion period. Further details can be found in the policy wording.
This would be classed as a pre-existing medical condition. You would not be able to claim for a pre-existing medical condition if you have seen or arranged to see a doctor during the 12 months immediately prior to the start date of your policy. This exclusion is waived if you have been free from its symptoms, and have not consulted any doctor nor received any treatment for or in connection with the condition for a two-year period prior to your claim.
Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.
Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.
You must give notice of a claim by telephoning the administrator on 01285 626020. Please note that for all unemployment claims you will be required to show evidence that you are actively seeking work. As evidence you will be required to provide at least 10 job applications per month during the claim period. Failure to do so may result in you not receiving your monthly benefit under this policy. This will apply irrespective of whether you are registered as available for work at a Job Centre Plus or The Department of Health and Social Security in Northern Ireland.
No, the minimum period for which you can claim is 30 days.
This Policy is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Company Limited. Millennium Insurance Company Limited are regulated by the Gibraltar Financial Services Commission (“GFSC”) under the Financial Services (Insurance Companies) Act to carry on insurance business. Reg No. 82939. Its principal office is PO Box 1314, 13 Ragged Staff Wharf, Queensway Quay, Gibraltar, GX11 1AA.
Yes, the monthly benefit chosen must not exceed £1500 or 65% of your normal gross monthly income.
There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;
The policy is reviewed on an annual basis, however your premiums are paid monthly. Thirty (30) days before the policy has been in force for a year, and annually thereafter, we will write to you advising you of the premium for the next 12 months and of any changes to your cover.
Yes. There is no waiver of premiums during the period of the claim. If you make a claim, premiums must be continued and these will be collected as normal by direct debit. If you cancel the premium payment, any claim being paid will cease and the insurance cover will be considered ended.
The premiums for future years will depend upon the forecasts of costs to the insurer of settling claims and changes in taxation and inflation. The Insurer will not seek to recover, in future years, the costs of any claims already paid out. Changes to your premium will not depend on your individual circumstances (except age) but on the cost of overall claims.
Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 70. We are the first provider to offer this in the UK. If you are age 64 or above, unfortunately you will not be able to apply.
Realm Protection is covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS.
In order to claim for unemployment insurance you need to be either in receipt of job seeker allowance or be registered with the job centre plus.
You can change your address by contacting the policy administrator on 01285 626020.
No, unfortunately we do not offer joint policies
You need to contact the claims administrator as specified in your policy document. They will either send you a claims form or tell you what you need to do in order to make a claim.
You will need to cancel your policy with your existing provider. However, you should ensure that your new policy has been made active before you cancel your existing policy.
No, you cannot claim if you are notified of redundancy during the initial exclusion period.
Yes, we cover accidents/injury related claims from sports activities as long as they are not undertaken in a professional capacity.
You can update your policy details by contacting the policy administrator on 01285 626020.
Yes, it is possible to change your direct debit date by contacting the policy administrator on 01285 626020.
You will be able to take out a policy to cover your main employment (job for more than 16 hours per week). However if you were to become unemployed, you would have to stop work entirely to be able to claim under our policy i.e. you will not be able to claim if you continued with your other jobs.
You will receive your policy schedule and documents within 3-5 working days of your application being received by us.