Balens have for many years provided all types of
Income Protection. We have devised a special scheme for Health
& Well-Being Professionals, which enables you to keep
paying your bills whilst you cannot work due to an
accident or illness.
In addition to Accident and Illness policies, there are
other schemes including 'Permanent Health Insurance'
(which pays until retirement) and would be offered
to you by H & L Balen & Co our Independant Financial
Advisor firm because it is a complex Financial Services
product, requiring more explanation and research.
There are 3 main Types of Personal Accident and Sickness
Personal Accident (PA) Lump Sum disablement
£25,000 cover for only £11 per year. Covers a wide range of
disablement conditions. We extend the usual cover for loss of
limbs, eyes and total disablement to include a very detailed
scale of benefits including loss of use of joints, digits,
sense and faculties. Cover is for permanent loss and does not
cover weekly income benefits. This is normally availble as an
add-on to our malpractice range of covers on a scheme basis.
Personal Accident (Income Protection)
Low cost protection for weekly benefits in event of
temporary partial or total inability to do your normal
occupation for up to 2 years.
Sickness Cover (Income Protection)
Extends the Personal Accident section to include Total Temporary
Disablement due to Illness up to 2 years.