Columbus IPI AS (60 days)

Full product details for the Columbus IPI AS (60 days) income protection policy, including application criteria, policy details, cover, premiums & fees, claims and exclusions.

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Columbus IPI AS (60 days) Features & Benefits

Cover Type	daily
Minimum Age	18 years
Maximum Age	63 years
Maximum % of Income Covered	50%
Maximum Annual Cover	£18,000
Maximum Monthly Benefit	£1,500
Hospitalisation Cover	no

Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Minimum Age	18 years	ELIGIBILITY You are eligible to take out this cover if, at the start date, you are: 3. Aged 18 years or over but less than 63.
Maximum Age	63 years	ELIGIBILITY You are eligible to take out this cover if, at the start date, you are: 3. Aged 18 years or over but less than 63.
Maximum % of Income Covered	50%	50% of gross income
Maximum Annual Cover	£18,000	The maximum annual cover is 18000
Minimum Working Period	6 months	ACCIDENT & SICKNESS You have actively worked for six months immediately prior to your injury or sickness. If you were not working due to sickness or holidays, MMS will not count this as a break in employment. (If you have had a previous claim which resulted in less than the maximum benefit period and you have not since then returned to work for at least six months, MMS will consider further payments to the maximum benefit period of monthly benefits in total). UNEMPLOYMENT REQUIREMENTS An employed person can only claim for unemployment if all of the following apply: - You become unemployed during the term of this policy and since the last cover increase date. - You have been actively working on a full time permanent basis for six months immediately prior to becoming unemployed. If you were not working due to sickness or holidays, MMS will not count this as a break in employment. (If you have had a previous claim under any section of this policy which ended with less than the maximum benefit period and you have not since returned to work for at least six months, MMS will re-open the previous claim and consider further payments up to the maximum benefit period).
Minimum Weekly Working Hours	16 hours	ELIGIBILITY You are eligible to take out this cover if, at the start date, you are: 2. Working (if you are found to have been off work for any reason at the start date, your cover will be treated as if the start date is the day you are back at work). DEFINITIONS Work (Working) Paid work of at least 16 hours a week. This includes self-employed work and statutory maternity and parental leave but not temporary work.

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