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Life Insurance, Critical Illness Cover and Income Protection for Paramedics
Example Occupations: Senior paramedic, air ambulance crew
Possible Risks: Infectious diseases, dangerous response situations, high speed driving
Occupational Duties: Accident response, emergency patient care, long driving distances, heavy lifting, administration of medication, shift work
Life Insurance for paramedics will generally be available at standard terms with most insurance providers. If your occupation involves any helicopter work then some insurance companies may increase your premiums.
Critical Illness Cover
Critical Illness Insurance for paramedics will also typically be available at standard terms with most insurance providers. You may however find that the Total and Permanent Disability option may not be available with every provider.
Paramedics Income Protection policies are available with a few insurance providers with an own occupation definition. You should place your application with an insurer who offers an own occupation definition for the policy with your occupation. If your policy comes with a suited occupation or any occupation definition, then your claims will be reviewed on your being able to perform any like job to that of a paramedic, or any job at all. These definitions are not ideal as they make it more difficult for you to secure a claim if you are unable to work. Our financial advisers can ensure that your application is placed with the correct insurer to enhance your chances of being offered an own occupation policy.
Income Protection for paramedics will come with a deferment period of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. This is the set amount of time that you must wait for your policy payments to start from the time that you are unable to work. During the application process you should consider any employment benefits, savings and budget that you have which could help you determine which deferment period suits you best. Our financial advisers regularly help clients to determine which deferment period best suits their individual circumstances and we are happy to discuss the benefits of different options with you.
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