Coverage

Disability & Critical Illness

An income if illness or injury stops you working, and a lump sum if you're diagnosed with a serious illness.

What it is

Disability insurance pays part of your income, usually monthly, if you can't work because of illness or injury.

Critical illness insurance pays a lump sum if you're diagnosed with a covered condition such as cancer, a heart attack or a stroke. You spend it however you need.

Who it's for

Self-employedNo sick pay to fall back on Yacht crewAn income if you're stuck ashore Florida familiesKeeping the bills paid

Your options

Short term disability

Pays for a few months while you recover.

Best for: a short gap in income

Long term disability

Pays for years, sometimes up to retirement age.

Best for: protecting a career

Critical illness

A lump sum on diagnosis, to spend as you need.

Best for: costs health insurance doesn't cover

What affects the price

Princess doesn't publish prices, because every policy is priced on you. These are the levers.

AgePremiums rise with age.
JobPhysical and higher risk work costs more.
Benefit amountHow much income, or how large a lump sum.
Waiting periodHow long before payments start. Longer means cheaper.
Benefit periodHow long payments last.
HealthYour medical history and current health.

Questions

Doesn't my health insurance cover this?

Health insurance pays the hospital. Disability and critical illness cover pay you, for the rent, the bills and everything else.

I'm self-employed. Can I still get cover?

Yes. You'll usually need to show your income.

How much income can I cover?

Usually a share of what you earn, not all of it. Princess will show you the options for your job.

Which carriers does Princess work with?

Ask Princess which of her carriers suits your job and your budget.

Protect your income

Princess will find cover that fits your job and your budget.

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