To apply for a policy you have to be:

• aged between 18 to 59 when your policy starts working and living in the UK (this doesn’t include the Channel Islands or the Isle of Man)
• working at least 16 hours a week
• able to pay for it from a UK bank account
• registered with a UK doctor with access to at least the last two years of your medical records

You can choose benefit amount of between £500 and £6,000 a month in £10 monthly increments. The benefit you choose cannot exceed 70% of your earnings when your policy starts and we’ll check this when you claim.

This policy is designed to cover policyholders living and working in the UK. It will also cover claims which start whilst you’re in a country in the European Union, or in a limited list of other countries which can be found in the Policy Conditions.

If you’ve been working less than 16 hours a week for more than 3 months when your injury or illness starts you will not be eligible for the main benefit. But you may be entitled to our contingency benefit.

Your policy comes with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give you the full details when you take out a policy or you can go to our Existing Members page to find out more.

If you are looking to make a claim, please head over to our Claims page. There you will find more information on how to contact us and how we can help guide you through the process.