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Find out more about Accident and Sickness Cover

To qualify:
• You are working and suffer an accident or sickness (which first occurs after the start
date of the Policy) that prevents you from doing your normal work (or any other paid
work which your experience, education or training reasonably qualifies you to do); and
• You must have a Doctor's certificate confirming you are unable to work for at least the
duration of your deferment period (the first seven days may be self-certified).
You must also provide confirmation from your employer of your absence from work.
• You must be under the regular care and attendance of a Doctor for benefits to continue.
• If you are self-employed, the accident or sickness must stop you from managing or
carrying out the day-to-day running of the business.
• You must be under the age of 70 at the start of the claim

Benefit payable:
• If your deferment period is 14 days, we will pay you a daily equivalent of your monthly
benefit for each consecutive day that you are unable to work from the first day of your
accident or sickness.
• If your deferment period is 30 days or more, we will pay you a daily equivalent of
your monthly benefit for each consecutive day that you are unable to work after the
deferment period.

Benefit duration:
We will continue to pay this benefit, on a monthly basis, until:
• The date you return to work; or
• The date you retire; or
• The date from which you no longer have a doctor's certificate to support your claim; or
• We have paid your benefit for your maximum benefit duration; or
• The end date.
Whichever happens first.

Maximum benefit:
• Your monthly benefit and your maximum benefit duration are both shown in your Policy Schedule.
• The maximum monthly benefit we shall pay under this policy and any other Income
Protection or similar policy underwritten by us or any other subsidiary of Barclays Bank
PLC is 50% of your monthly gross earned income at the start date or if amended, at the amendment date.

 

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