You want to ensure that you receive a monthly income if you became sick, unemployed or had an accident for as long as you were off work (i.e. no limit of 12 months) or until the insurance policy finished whichever came sooner.

You need Permanent Health Insurance.

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How Much Will It Cost?: You can have Short Term Income Protection Insurance for either unemployment alone, or sickness and accident alone, or all three. The costs of the policies is much lower than you'd expect.
You want to ensure that you receive a monthly income if you became sick, unemployed or had an accident for as long as you were off work (i.e. no limit of 12 months) or until the insurance policy finished whichever came sooner.: You need Permanent Health Insurance.
How much should you insure for?: Most people get enough income protection insurance to cover their fixed monthly bills plus sufficient for day to day living expenses.
How long should you insure for?: Short Term Income Protection Policies are renewed annually. So you really only need to plan one year ahead.
For how long will the policy continue to provide income: Short Term Income Protection Insurance will provide income if you are off work and the income will continue for up to 12 months or cease when you return to work, whichever is the sooner.

Permanent Health Insurance is both complicated to apply for and the premiums are costly. Consequently, it is not available here online. If it’s Permanent Health Insurance you want, we suggest you contact a local Independent Financial Adviser.