Personal Accident & Income Cover

Balens have for many years provided for all types of Income Protection, and have devised a special scheme for Health Professionals, which enables them to keep paying their Bills whilst they cannot work totally or partially due to an accident or illness. In addition to Accident and Illness policies, there are schemes called Permanent Health Insurance which pay until retirement, but being a complex financial services product, require more explanation and research, and would be offered to you by H & L Balen & Co.

There are 3 main Types of Personal Accident and Sickness cover:

Personal Accident (PA) Lump Sum disablement Cover

£25,000 cover for only £10 per year. Covers a wide range of disablement conditions. We extend the usual cover for loss of limbs, eyes and total disablement to include a very detailed scale of benefits including loss of use of joints, digits, sense and faculties. Cover is for permanent loss and does not cover weekly income benefits.

Personal Accident (Income Protection)

Low cost protection for weekly benefits in event of temporary partial or total inability to do your normal occupation for up to 2 years.

Sickness Cover (Income Protection)

Extends the Personal Accident section to include Total Temporary Disablement due to Illness up to 2 years.

We have more information on this subject in the H & L Balen portion of the website dealing with Financial Advice, and also in the Claims Section, explaining how claims are calculated and how to avoid problems caused by overinsurance due to not calculating your benefits correctly.

To receive further information via email or post or if you would like us to phone you, click here.
Or phone the Personal Lines Department on 01684 580788 or email personal@balens.co.uk