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Protection

Permanent Health Insurance

Permanent Health Insurance provides a regular income benefit to replace your earnings should you become unable to work due to illness or injury. For a slightly higher premium the option is normally available to have the level of cover automatically increased each year in order to provide protection against the effects of inflation.

There are 3 types of disability definition. These are "any occupation", "any suitable occupation" and "own occupation". Basically this determines when you are deemed unable to work and hence can make a claim.