If you fall ill, who pays your salary?
Employees get sick leave paid by the company. Practising doctors and business owners do not. The income stops the same day as the diagnosis, while rent, staff salaries, loan instalments, and school fees carry on.
Four slides to see the gap, then one calculator to work out your own numbers. No sign-up.
Income stops at once. Expenses do not.
Health insurance pays the hospital. It does not pay the clinic rent, the nurses' salaries, or the mortgage while you cannot work. That gap is usually filled from savings, then from assets, then from debt.
Cash on diagnosis, yours to use freely.
A lump sum is released as soon as a covered critical illness is diagnosed, with no hospital receipts to wait for.
Living costs, staff salaries, instalments, extra treatment, or recovery abroad. You decide.
The policy is in your name. It does not lapse when you stop practising at one place or close one business.
This complements health insurance rather than replacing it. Health cover pays the hospital; income protection pays for the life that carries on outside the hospital.
The two professions most exposed when their income stops.
- No practice means no income, that same day
- Clinic rent, nurses' salaries, and equipment still have to be paid
- Health insurance covers the hospital, not the practice income
- Business cash gets drawn for personal needs while the owner is ill
- Partners and staff wait on decisions that are delayed
- The family depends on a business cash flow that is also shaken
How long would your savings last?
Illustrative figures from your inputs, not an offer. The benefit amount and premium range depend on age, health, and how much you want to protect, and are worked out with a Prime Family Advisor. Products are provided through our partnership with Allianz; terms follow the product summary and Policy.
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