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Income protection, also known as permanent health insurance (PHI), is a type of insurance that provides a replacement income if the policyholder is unable to work due to an illness or injury. It is designed to help individuals maintain their standard of living and cover their expenses, such as mortgage payments or rent, in the event of a prolonged absence from work.
The coverage and terms of an income protection policy will vary depending on the insurer and the specific policy. Some policies may cover a wide range of illnesses and injuries, while others may have a more limited list. It's important to check the list of covered conditions before purchasing a policy.
When purchasing an income protection policy, individuals can choose from different options such as benefit period, deferred period and level of cover. The benefit period is the length of time for which the policy will pay out, the deferred period is the length of time between the start of the claim and when the policy will start paying out, and the level of cover is the percentage of the individual's income that will be covered.
Income protection policies can be purchased on an individual or group basis, and they may be provided by an employer as part of a benefits package. Some policies may also include additional benefits such as rehabilitation support or a lump sum payment if the policyholder is unable to return to work.
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