One product, with one set of terms and conditions, to make life a lot simpler.

Although it’s one product, we’re offering more flexibility than ever before around how you set it up for your clients.

This includes the choice of:

  • Age based prices that start off lower and go up with age (great for clients on a tight initial budget), or level prices that stay the same over time
  • Sick Pay that pays out for 1 year, 2 years or to an age of your choice for each claim
  • Guaranteed or reviewable prices

These choices mean that for every client there is a really wide range of price options – which you can see in the example below for an office worker who wants £1,500 of Sick Pay. The aim isn’t to show you how competitive we are on price (though we usually are very competitive), but to bring to life that the lowest priced option is less than 20% of the price of the most comprehensive option.

No nasty surprises

We’ve designed My Sick Pay so you can recommend it with confidence.

It’s been rated as a 5 star product by Defaqto, who provide and independent rating of the quality and comprehensiveness of financial products.

But we’ve also made sure there are ‘no nasty surprises’ when it comes to My Sick Pay. For example:

  • Your client can claim if they can’t work in their own specific job. ‘Own job’ is the narrowest claims criteria available and the easiest to claim on and understand.
  • There are no standard exclusions like HIV, drugs and alcohol or war
  • If your client moves to a riskier job, or even a job we wouldn’t have covered in the first place, we’ll continue to protect them in their new job and the price won’t change
  • Your client won’t need to pay anything during a claim – that happens automatically
  • If they pick Sick Pay that pays out for up to 1 or 2 years, they can still make multiple claims, including for the same condition.
  • The ‘Life Changes Guarantee’ that allows your client to increase their Sick Pay when certain life changes happen
  • Drop in Earnings guarantee that promises a certain level of Sick Pay even if their earnings drop after they buy it.

It’s all explained in our terms and conditions.

The easiest to read literature in the UK?

Speaking of terms and conditions, we set ourselves the goal of having the easiest to read terms and conditions in the UK. We’ve removed the jargon, ‘defined terms’, passive language and made it conversational and straightforward.

Need help with your first case, or want to know more?

Please call your dedicated Business Development team on 01452 782 772