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Private health insurance - corporate & company medical insurance
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Income Protection Insurance

Income protection insurance is commonly referred to as the Permanent Health insurance (PHI). This insurance policy has been developed to generate specific amount of income for the insured. If that person suffers through an unexpected illness or accident that hinders him/her from working any further. Following are few important points to know before going for an insurance policy:

  • Limits of Payouts: Generally, such insurance plans generate funds around 60% of the pre-disability salary of the insured person. If an individual takes this out, the income is tax-free.
  • Options in the Policy: Income protection policy offers you several options so you can choose according to your requirements. Policies usually include a certain waiting period, which ranges between 7 days to 12 months. You can go for a waiting period that best suits your situation and requirements.
  • Type of Occupation: Your occupation may determine the cost of the premium.
  • Check the Disability Definition: Disability is generally defined in three ways; unable to follow your present occupation or unable to follow any suited occupation (that matches your experience or certification) or unable to follow any occupation at all.
  • Enhancing benefits: You also have the option of deciding whether or not to go for annual increment in certain benefits. This usually refers to yearly increments.

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