Should you ever become seriously injured or too ill to practise, Critical Illness and Income Protection can give you essential levels of protection.

Being injured or ill is frightening enough, but consider what would happen if you became too ill to earn a living as an optometrist.

Would you be able to make your savings last or would you have to rely on government benefits or the income of a family member?

For a relatively low cost, Critical Illness and Income Protection could provide you with protection against a number of serious illnesses and accidents, helping to pay for expenses such as medical treatment, adaptations to your home, and day-to-day expenses.

There are a number of differences between the two types of cover, so we would advise that you research both before you decide which one would be most suitable for your work and lifestyle.

Critical Illness

In the unfortunate event that you were to suffer a ‘critical illness,’ this type of cover would pay out a single lump sum directly to you. Types of illnesses covered can be found specified in your policy document.

A Critical Illness policy is not linked in any way to your income and you can choose the amount of cover you’d like. Common illnesses typically claimed for include heart attacks, stroke, multiple sclerosis and cancer.

Income Protection

Income Protection will provide you with a regular payment to meet any living expenses until you have recovered and are able to return to work.

One of the main advantages of Income Protection Insurance is that it will cover you for practically any medical condition that prevents you from working. This could be anything from stress to back problems and mental disorders in addition to serious injuries and illnesses.

At Infocus Opticians Insurance we know that it pays to get expert help before arranging any type of cover.

The best way to ensure you get the cover you need is to seek advice from our advisers. We will ensure you get the right policy that meets your needs should you ever need to make a claim.

For more information about any of our policies, please get in touch with a member of our team, or request a quote via our website.

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