Income protection insurance for employees

Support your employees’ financial and mental wellbeing through long-term sickness absence.

Give your team peace of mind during illness with affordable sickness cover.

Bridge the gap between paychecks to reduce their financial worries.

Salary is a magnet, but benefits are the superglue.

Attract and retain top performers with a benefits package that goes beyond the basics.

Employees choose, employees pay.

They get valuable financial protection tailored to their needs, while you simply provide access.

Something for everyone!

Three levels of cover to choose from, with prices starting from just £6.96 per week.

Our income protection insurance

Worry less, recover faster: Your employees' health comes first

With our income protection plan you can reduce the financial burden so that your employees can focus on getting better and back to work.

How it works

Boost employee wellbeing without adding to your budget

Simply provide access, and our income protection handles the rest. Your employees opt in and pay through payroll.

Protection when they need it most: If an employee's off sick for 30 days or more, they receive a monthly income of up to £2,0001 - no extra cost to you.

What's covered

Monthly income

We pay a monthly benefit if they can't work due to illness or accident (check policy details for exclusions).

What's covered

Open-ended support

Coverage until they return or reach the benefit limit. No claim limits during the policy period.

Levels of cover

Choose the level that fits your employees' needs

Employees can choose from three levels to suit their budgets and needs.
Level 1: Get support if symptoms last over 30 days.
Level 2: Extended protection kicks in after 60 days.
Level 3: Our most comprehensive cover starts paying after 90 days.

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What's not covered

Eligibility & exclusions

Eligibility: Permanent UK resident within the right age range, and actively working.
Exclusions: Back-related conditions (unless documented) and mental disorders (unless this impacts them from attending work).

For a full list of what is covered and what isn't covered please read our full policy details.


Employees pay as little as £6.96 a month

Starting at just £6.962 a month, our income protection is budget-friendly peace of mind. Think of it as a latte that takes care of tomorrow, not just today!

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Terms & Conditions


For full terms, conditions and exclusions of the policy, please see the policy details.

Frequently asked questions about income protection insurance


Need to know

No advice has been given by BHSF in relation to the sale of this product. All benefits payable are subject to BHSF policy terms – you can request a copy of these by getting in touch.

1Based on maximum benefit level D

2Based on Level 3 cover with maximum Benefit of £500

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Find out more about income protection insurance. Complete the form and we'll be in touch to talk through how we can help.

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