Disability & Income Protection
If illness or injury stops you working, your bills won't. Income protection keeps the lights on.
Your most valuable asset is your ability to earn.
Most people insure their car, their home and their phone but not the income that pays for all of them. Disability insurance replaces part of your earnings if you can't work because of illness or injury.
It's particularly important for self-employed professionals and business owners, who have no employer sick-pay scheme to fall back on.
- Own-occupation cover pays if you can't do your job
- Any-occupation cover pays if you can't do any job
- Short-term replaces income during recovery
- Long-term protection up to retirement
- Waiver of premium your cover continues even if you stop paying
- Critical illness a lump sum on diagnosis of a listed condition
Cover for every working situation.
Professionals
Doctors, lawyers, engineers own-occupation cover protects your specific career.
Self-Employed
No employer sick pay. If you don't work, you don't earn. This is essential.
Business Owners
Protect personal income and the continuity of your business if you're out.
Manual Workers
Tailored cover for trades, construction and physical occupations.
Families
For households where one income cannot cover everything if the other stops.
Mortgage Holders
Keep paying the mortgage during a long recovery period.
Income protection, explained.
Payout starts after the "deferred period" typically 30, 60 or 90 days after you stop working. A longer deferred period means a lower premium; a shorter one means faster support.
Own-occupation is the strongest definition you're covered if you can't perform your specific job. Any-occupation is narrower and generally cheaper. We'll explain both.
In many cases, premiums may be tax-deductible for self-employed individuals in Cyprus, and benefits are then taxable. We'll confirm the current rules with your accountant.
Typically 60–75% of your gross income, capped by insurer underwriting. This is designed to protect, not over-compensate.
Yes most plans offer a critical illness rider providing a lump sum on diagnosis, regardless of whether you can work.
Protect your income.
Free personalised quote no obligation, no pressure.