Life Insurance for miners may be available at standard terms with some insurance providers, depending upon your specific duties. If your work requires that you travel abroad then the insurer will want to know information such as the amount of time spent out of the country per year and the countries that you visit.
Miners who work underground and/or with explosives will generally find that Life Insurance applications are accepted at non-standard terms, in the form of a premium increase.
Miners Critical Illness Cover may also be available at normal terms with some insurers. The insurer that you approach will be interested in your regular working duties and if you are required to travel abroad as part of your occupation. It is likely that Total and Permanent Disability will not be available, but this should not cause a concern as it is a relatively small part of the contract compared to conditions such as cancer, heart attacks and strokes.
If your work involves being underground and/or the use of explosives, you may find that you need to place your application for Critical Illness Cover with specific insurers who can accept miners.
Income Protection for miners will need to be placed with a specialist provider who may consider offering cover. When you apply for Income Protection you should aim to secure a policy that will pay a claim on an 'Own Occupation' definition. This will mean that you will be assessed on your ability to work as a miner and not a suited occupation. You will need to choose a deferment period for your policy which will dictate the amount of time that you must wait for a claim to pay; 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. Our financial advisers regularly help clients to determine the best policy options for their circumstances by reviewing employment benefits in place, savings that are available and the budget for cover.
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Miners extract mineral, sand, stone, coal and metals from the ground typically for industrial purposes. The occupation is considered to be hazardous due to the heightened danger that a person can find themselves in following an on-site accident. Whilst miners make health and safety a priority aspect of their role there is a potential that unpredictable factors may place them at added risk e.g. shaft instability, subsidence, gas pressure build-up.
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* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
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