Income protection insurance or permanent health insurance is available if ever you face unemployment due to sickness or disability. The two types of income protection available are:
This pays an income benefit for the entire duration of the policy, up until retirement age, if you are unable to work due to sickness, disability or injury.
This pays cover for a limited period, usually a year or two. It is much cheaper than long term cover, although you may risk not being able to work at the end of the pay-out period.