Swine Flu - Sickness Protection

[Envelope]

Thanks all....

I guess it's a cross your fingers situation then...

[HairyArsedBloke]

Hi all,

Longtime lurker here, go easy on me.

Envelope, have you ever seen a grown man naked?

I was wondering what people have in place by way of short-term sickness insurance. I’m aware of the critical insurance policies generally flogged around the market place, but are there firms out there that will insure you for a temporary period out of work, like less than a month.
Reason for my concern is that someone at the client site has been sent home yesterday with swine flu. I figure, it’s only a matter of time…..

I cannot see any insurance company touchhing that with a barge pole.

[dang65]

Without going to a laboratory of some kind, how do people tell the difference between swine flu and "a bit of a cold"? If I catch it and don't particularly feel any worse than I do after my usual night out on the ale then I don't suppose I'll take any time off anyway. Like all contractors, I've worked plenty of times in the past on days when I've been barely able to stand.

[pzz76077]

Obviously not, but if you think the probability of losing a week is X, you earn Y a week and insurance costs Z, use maths to decide whether to take insurance or not. Of course you have to figure out X and the number of weeks you need insurance before the risk has largely gone.

How many clients would let a contractor back in the place when they had been off with swine flu?? None I suspect, so end of contract...

PZZ

[d000hg]

If you get swine flu you are either going:

1. To die
2. Be back at work after one week.

If 1, then sickness protection is the least of your worries.

If 2, you lose a weeks pay. Not the end of the world is it?

Obviously not, but if you think the probability of losing a week is X, you earn Y a week and insurance costs Z, use maths to decide whether to take insurance or not. Of course you have to figure out X and the number of weeks you need insurance before the risk has largely gone.

[pzz76077]

You could try here: http://www.globalunderwriters.com/

They do all sorts of short term health cover.

PZZ

[minestrone]

I am pretty sure some contractors would get the bump if they tell the client that they have it and they are the first to have it in that company.

[DimPrawn]

If you get swine flu you are either going:

1. To die
2. Be back at work after one week.

If 1, then sickness protection is the least of your worries.

If 2, you lose a weeks pay. Not the end of the world is it?

[NotAllThere]

There used be "day one" insurance that tailed off after a few months, by which time income protection insurance would kick in. Don't know if such a product is available anymore. In any case, it's rather expensive.

Best ask a financial adviser.

[Envelope]

Hi all,

Longtime lurker here, go easy on me.

I was wondering what people have in place by way of short-term sickness insurance. I’m aware of the critical insurance policies generally flogged around the market place, but are there firms out there that will insure you for a temporary period out of work, like less than a month.
Reason for my concern is that someone at the client site has been sent home yesterday with swine flu. I figure, it’s only a matter of time…..