Not only does this insurance have some of the lowest premiums with free cover but it also boasts 'back-to-day-one cover'.
But what exactly is 'back-to-day-one cover'?
This means that, subject to acceptance, claims are paid back to the very first day of your claim for benefit once you have been unemployed or disabled for a continuous period exceeding 30 days.
For example, if you start your claim on the 1st of May and return to work on the 29th of May, no benefit is payable. If however, your claim exceeds 30 consecutive days you will receive benefit dating back to the first day of your claim (i.e. 1st May). Effectively, for claims that exceed 30 days there is 'no excess' or period during which you are unable to receive benefit.