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Sickness Cover Insurance

What is the Guaranteed Acceptance Sick Pay Policy?

We are pleased to offer the Guaranteed Acceptance Sick Pay Policy from ESMI Ltd.

The policy will pay you an income of between £1000 and £2000 per month for up to 6 months if you are unable to work due to sickness or injury.

You are guaranteed to be accepted for the plan irrespective of your medical history (please see information regarding pre-existing medical conditions below*) and employment status and you will not be subjected to any loadings due to your occupation.

You do not need to prove your income levels and the payments will be tax-free and made in addition to any other income you may have.

To qualify for the cover you simply need to be between 18 and 61 years old, a permanent UK Resident and working more than 16 hours per week.

The Cover is guaranteed to be accepted irrespective of your medical history and you will not be asked any medical questions or be required to undergo any medical examination or tests (please see information regarding pre-existing medical conditions below*)

Why not take a look at their video to see if ESMI is right for you?

ESMI life video

Who is the ESMI Guaranteed Acceptance Sick Pay Policy for?

Anyone between the ages of 18 and 61 who is a permanent UK Resident and working more than 16 hours per week will be accepted, however, the policy is particularly suited to the following people:-

  • With higher risk occupations.
  • The Self Employed
  • Those who do not wish to disclose/prove their income.
  • Those who have previously been declined an income protection policy.
  • Those who need immediate cover
  • Those who don't want to answer medical questions
  • Those who don't want to attend medical examinations
  • Those wWho want to purchase an online policy within minutes.


*Are my pre-existing medical conditions covered?

If you have any Pre-existing medical conditions at the time you take out the Guaranteed Acceptance Sick Pay policy they will not be covered, nor will any other conditions related or associated with any pre-existing conditions.

You will, however, be covered for any new unrelated conditions.

The plan does not cover you for injury sustained through Professional or Semi-Professional Sport or High-Risk Extreme Sports.

You will be able to view the full definitions and terms of the policy when you request a quotation. As with all Insurance Contracts, it is vital that you read the Terms and Conditions to make sure the policy is suitable for your needs.

If you also require cover for pre-existing medical conditions then please see our income protection insurance section.

Do they offer any other Guaranteed Acceptance Policies

Yes, ESMI offers a complete suite of products including

How do I obtain more information and apply for cover?


By clicking the Quote Button at the top of the page you will be directed to the ESMI website where you will be able to obtain full details of the policies offered together with quotations and the ability to apply online.

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