Income protection covers you for most illnesses that leave you unable to work: stress-related illnesses, back conditions, cancer or a serious heart condition. The focus is on not being able to work, as opposed to the illness or injury you’ve sustained.
You won’t be covered for pre-existing and chronic conditions that you knew about before taking out your policy, alcohol or drug misuse, criminal acts, cosmetic surgery or redundancy.
Read more about what does income protection cover here.