Permanent health insurance

How to make sure illness can't cause a financial disaster.

Permanent health insurance - also known as income protection - is very different from other forms of medical insurance. Instead of covering the cost of hospital treatment, it pays out if you're too sick or injured to work and gives you a regular income until the policy expires.

Most forms of medical insurance are designed to cover the cost of treatment for acute conditions, but what happens if you suffer an illness or injury that means you can no longer work? Permanent health insurance, also known as income protection, is designed for just such an eventuality.