You will receive the agreed monthly payment, subject to the limits of the cover, if:

• You are made redundant (involuntary unemployment).
• You are unable to work due to an accident.
• You are unable to work due to sickness.
• If you are self-employed you will be insured if you have permanently ceased to trade due to circumstances entirely beyond your control.
• If you have been employed on a renewable fixed term contract of at least 13 consecutive weeks with the same employer for more than 2 consecutive years or on an annual contract which has been renewed then you will be insured if you are made unemployed due to circumstances beyond your control.

No payments will be made if you are unable to work or no longer work for any of the following reasons:

• A medical condition that might prevent you from working and which you were aware of prior to taking out this insurance.
• A medical condition for which you have suffered from symptoms or received treatment, or should have received treatment, medication or advice (including regular or routine examinations or consultations to monitor the condition) from a doctor or consultant in the 12 month period immediately prior to the start date. (However, this exclusion will not apply if you have been free from symptoms, and have not consulted any doctor nor received any treatment for, or in connection with it, for a period of 24 months prior to your claim.)
• Voluntary unemployment
• Unemployment as a result of your misconduct
• If you are self-employed and your company temporarily ceases to trade.
• Any cause that you were aware of prior to taking out this insurance.
• If you fail to pass a trial or probationary period conditional to your continued employment.
• If your fixed-term contract ends and is not renewed
• Your normal employment is casual, temporary or seasonal.

You will receive the agreed monthly payment, subject to the limits of the cover, if:

• You are made redundant (involuntary unemployment).
• If you are self-employed you will be insured if you have permanently ceased to trade due to circumstances entirely beyond your control.
• If you have been employed on a renewable fixed term contract of at least 13 consecutive weeks with the same employer for more than 2 consecutive years or on an annual contract which has been renewed then you will be insured if you are made unemployed due to circumstances beyond your control.

• Round the clock virtual access to a GP. Use the app to book an appointment and get a time slot to suit you.
• Second opinion on a complex medical case by leading medical experts who will assess your case and provide recommendations for treatment on a wide variety of conditions
• Quick and easy access to Mental Health professionals for initial screening and triage though mobile app. Post triage, you'll either be routed for face to face consultation or recommended to use our digital pathway.
• Access to an extensive suite of Physiotherapy services. After initial assessment via video consultations, a treatment programme will be designed for you and monitored via the Mobile App.