Income Protection for Healthcare Workers

As specialists in income protection for Healthcare workers, we’ll make sure you get the right cover at the right price so that all your essential bills are covered if you're off work due to illness.

Specialised policies for Healthcare

Best price guaranteed

Hassle-free application

Income Protection for Healthcare Workers

As someone who works in the private healthcare industry, you’ll know how easy it can be for seemingly healthy people to end up being off work for months on end, due to an accident or long-term illness.

If this happens to an NHS worker, they will keep receiving full pay for the first 6 months and half sick pay for the next 6 months.

Since you work in private healthcare, the chances are you will not be covered under the NHS sick pay scheme. 

In most cases, this could leave a big hole in your finances – especially if you’ve already been dipping into your savings to make up for the loss of payments.

This is why income protection is vital for people who work in the private healthcare industry.

The good news is our Income Protection policies have been specifically designed to replicate the NHS sick pay scheme so that private healthcare workers do not miss out.  

Meaning you can also receive full pay while you're off work like your NHS counterparts. 

For some free advice on finding a personalised 'Specialist Healthcare Worker' income protection policy, just click the button below to complete our quick online quote form.

Why Choose Us?

Fast Decisions

Here at More Than Money we specialise in arranging income protection for people who work in private healthcare.

Our specialist knowledge means we won’t waste your time by applying to insurers who aren’t going to accept you or are going to hike up your premiums due to your medical history.
 
Plus, we’ll be able to ask you all the right questions up front and avoid all the to-ing and fro-ing that you’re likely to experience if you talk to someone who isn’t a healthcare income protection expert.

Price Match Promise

Our goal is to make sure you get the level of income protection you need, but without paying over the odds for features that aren’t necessary.
 
We’re so confident in our ability to find you the right cover at the right price that we offer a price match promise. This means that we’ll match or beat any equivalent income protection quote that you find elsewhere within 30 days of taking out a policy through us.

Peace of Mind

When people buy income protection they obviously hope they’re never going to have to claim on the policy. But if you do get ill or have an accident and need to make a claim, then the last thing you want is for it to be turned down because you didn’t declare your income properly or didn’t pick the right cover options.

That’s why you should talk to us before you take out a policy. Our expert knowledge of both the insurance market and of the way healthcare staff are paid means that we can get you cover that you can be confident will pay out should the need arise.

No Call Centres

More Than Money was founded by a father-and-sons team who were fed up with hearing how healthcare workers kept receiving bad advice that led to them getting turned down for income protection or ending up with the wrong kind of cover.

We’ve remained family-run to this day, with no call centres. That means that you’ll always speak directly to a named UK-based advisor who can give you the accurate and personalised insurance advice that you need to ensure you get the right cover at the right price.

Client Testimonials

How You Can Make Sure You Get the Right Cover at the Right Price

1. Contact us

Complete our simple online form and one of our experts will call you back

2. We’ll search for your best policy

Right after we’ve taken a few details, we’ll start searching our panel of insurers to find the one that’s right for you

3. We’ll handle everything

Once we’ve helped you pick the right policy and the right level of cover we’ll take care of all the paperwork for you

4. …until your application is accepted

By asking you the right questions and picking the best insurer, we’ll make sure you get fully covered without any fuss

How We Helped Sarah

Client: Sarah
Insured: 03/03/2022
Occupation: Healthcare Worker
What she covered: Her mortgage payments and 1 child
How long is she covered for: until she retires
How much does she pay: £28.72 per month

Sarah came to us after filling out our enquiry form online. She has a young child and a mortgage but no savings.

She spoke with Sam, who found a quote which matched what Sarah needed and could afford to pay.

When Sarah was ready to complete an application, Sam was there to help her get set up from start to finish. Let’s just say Sarah is one happy customer…

How We Helped Lucy

Client: Lucy
Insured: 01/02/2022
Occupation: Care Worker
What she covered: Household bills and rent
How long is she covered for: until she retires
How much does she pay: £21.16 per month

Lucy came to us after filling out our enquiry form online. She wanted to make sure she could pay her rent and bills if she couldn’t work following an accident or illness.

Luke went away to research what options she had and called Lucy back to explain what he found. He put it into an email so she could go through it in his own time.

When Lucy was ready to complete an application, Luke called her back to talk her through it.

About Us

At More Than Money we're all about our family looking after your family. When the three of us - the bearded trio of Andy Stevens and his twin sons, Sam and Luke - started this business we were determined to make life easier for Private Healthcare staff to get the right insurance to protect themselves and their loved ones.

All too often, people who work in the Healthcare Industry end up buying the wrong kind of income protection from inexperienced financial advisers who give poor advice. And by the time these errors come to light, it's often too late. We're here to change that.

We work across the whole of the UK. So whether you want to come and see us in our offices in Ashford in Kent, or talk to us via phone or Zoom, we're here to make sure that as many Healthcare workers as possible can discover how to insure themselves, their family, and their homes properly and cost-effectively.

we work with specific insurers for Healthcare workers to get you the right cover at the right price

Healthcare Staff Income Protection FAQs

What does income protection cover?

Most Income Protection insurance policies are designed to pay a monthly income to you while you can't work following an accident, illness, or injury. This is to ease pressure on you or your family financially and provide support for childcare costs, household bills, or mortgage and rental payments.

Do I have to make a decision on the first call?

No. Never.

This is one of our core values to never ‘sell’ to someone and never ask them to decide on the first call.

We train all our advisors to this standard and will always allow you the time and space to decide in your own time.

How much will income protection cost me?

This is completely down to you. There are no set premiums as it’s based on how much cover you need and your personal circumstances.

The average premium according to MoneyAdviceService is £18.35 per month, however this can vary depending upon age group, health factors and job types.

Can I make changes to my policy?

Yes you can, without any penalties or charges. We will even keep in contact with you to review the policy if your situation changes or we can find you a better deal.

How quickly can I get covered?

In a lot of cases the insurance company will want to write to your GP first, so this can take a few weeks. However, depending on what type of pre-existing conditions you have insurance companies will make decisions within 24 hours. 

Do you charge any upfront advice fees?

No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit.

Income Protection For Healthcare workers

Specialised policies for Healthcare

Best price guaranteed

Hassle-free application

More Than Money is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Registered as a Company in England and Wales No. 11698896. Registered Office: Henwood House, Henwood, Ashford, Kent TN24 8DH.

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