Income Protection for NHS Workers
As specialists in income protection for NHS staff, we’ll make sure you get the right cover at the right price so as all your essential bills are covered if you're off work due to illness.
Specialised policies for NHS staff
Best price guaranteed
Hassle-free application
Income Protection for NHS Staff
As someone who works in the NHS, 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 happened to you as an NHS worker, you’d probably keep receiving your full pay for the first three months. But what would the loss of overtime payments mean to you? Would that have an impact on your ability to keep paying the bills?
And what happens if you’re still off work after three months. Like most NHS staff, you’d probably find your sick pay dropped to just half your basic salary. And that’s going to leave a big hole in your finances – especially if you’ve already been dipping into your savings to make up for the loss of overtime payments.
This is why income protection is vital, even for people who work for the NHS.
The good news is that there are some excellent income protection policies explicitly designed for NHS staff. These policies will take your overtime payments into account, and they tend to be cheaper than most.
That’s because the levels of sick pay you get from the NHS are actually quite generous compared to what’s available in the private sector. So the level of top-up cover you’ll need from an income protection policy can be kept relatively low. In fact, one of the dangers of buying income protection from a website or broker that doesn’t understand how the NHS works is that you may end up over insured and paying way more than you need.
For some free advice on how much cover you actually need and to get a quote on one of specialist NHS income protection policies, 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 the NHS.
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 an NHS 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 when you’ve got your NHS sick pay covering some of your outgoings.
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 NHS 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 NHS 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: 03/08/2021
Occupation: Nurse
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: 01/04/2021
Occupation: GP
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 NHS staff to get the right insurance to protect themselves and their loved ones.
All too often, people who work for the NHS 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 NHS staff as possible can discover how to insure themselves, their family, and their homes properly and cost-effectively.
we work with specific insurers for NHS Staff to get you the right cover at the right price
NHS Staff Income Protection FAQs
Most Income Protection insurance policies are designed to pay a monthly income to you while you couldn’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.
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.
This is completely down you. There are no set premiums as it’s based on how much cover you need and your personal circumstances. The price will be higher if you have a high-risk job such as a tress surgeon or lower if you have an office-based job.
The average premium according to MoneyAdviceService is £18.35 per month, however this can vary from age groups, health factors and job types.
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.
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.
No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit.
Bespoke Income Protection For NHS Staff
Specialised policies for NHS staff
Best price guaranteed
Hassle-free application
