Payment Cover for Sickness
Overview, product details

Bright Grey will pay your client's plan payments for them if they are unable to work because of an illness or injury or are unable to perform a number of working tasks. We will start these payments once your client has been sick for longer than the deferred period they choose. We will continue these payments until the first of the following happens:

• the person covered recovers and is able to return to work
• the person covered no longer meets the definition of incapacity
• the cover ends
• the person covered dies.

We automatically include Payment Cover for Sickness with Income Cover for Sickness.

Key features:

• Only 1 standard exclusion
• Covers your plan payments
• Helping Hand

Designed to look after your client and their family, personally

Our unique Helping Hand service provides much needed support to help your client and their family cope with the devastating effects that critical illness and death can have. It also gives you the opportunity to offer a unique value-added service.

Exclusions

We won't pay a claim if:

• it’s the result of intentional self-inflicted injury
• it’s the result of an excluded cause shown on your cover summary
• the person covered doesn’t meet the definition of incapacitated in section D of the plan details, or
• if any medical or other evidence is not supplied when we ask for it

Bright Grey offers 2 definitions of incapacity under Payment Cover for Sickness:

• Own occupation and
• Working tasks

The definition of incapacity we give your client will depend on their health and occupation.

Still got a question? Read the product FAQs