Qdos Executive Personal Accident & Sickness Insurance provides a lump sum payment in the event of an insured person suffering accidental death, or monthly payments in the event of an insured person being unable to work through their disablement (accident or sickness).
You may take out this policy if you are a Limited Company, Limited Liability Partnership or Public Limited Company with a registered address within the United Kingdom. Insured persons must be 18 years old at the start of the policy and under 65 years old at the end date of the policy.
Monthly premiums
Qdos Executive Personal Accident & Sickness Insurance is a monthly policy. As a policyholder, your premiums would be payable on a monthly basis and you would remain insured as long as you continue to pay the monthly premium and adhere to the policy terms and conditions (see below).
Please note that if you fail to keep up to date with payment of your monthly premiums your cover may be invalid in the event of a claim.
Your monthly premium will be reviewed at least annually, at which point it may be increased, decreased or left at its original level. We will provide at least 30 days written notice in advance of any changes. If you are not happy with the change to your monthly premium, you may cancel your policy with effect from the date the change is proposed to be introduced by writing to us.
Important note
It is important to note that any claim arising from a pre-existing condition will not be covered by the Contractor Sickness policy. We recommend that you read the full policy wording and summary of cover for all policy terms and conditions.
Benefits
- Accidental Death: £25,000
- Disability (Accident or Sickness): various limits available from £1,000 to £3,000 per month with maximum 12 month benefit period and 30 day excess period
This product includes our Contractor Assessment Bundle free of charge.
Statement of Demands & Needs
It is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you.
You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions.
Please note that you are basing your purchase solely on your own interpretation of the information we have provided.