Temporary Incapacity

    Temporary incapacity insurance is designed to provide individuals with financial support in the event of the individual being unable to work due to illness or accident.

    The policy works by agreeing at the start of the policy the daily sum you would need to receive in the event of being unable to work. In the event of suffering an accident or an illness which left you unable to work, the policy would indemnify the agreed amount until you were able to get back to work (subject to a maximum of 365 days).

    These policies are specially useful for self employed professionals and tradesman as the cover provided by the Social Security would not be sufficient to replace the income lost through being unable to work.

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