Paramedics & Life Insurance

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ParamedicsLife insurance for paramedics will generally be available at standard terms with most insurance providers.

To find the right insurer for you our advisers could ask you:

  • What is your annual mileage in the ambulance?
  • If you are in a helicopter, how often are you called out each year?

It’s very likely that as a paramedic you will be able to arrange life insurance at normal terms. This means the basic premium for the life insurance.

If your role means that you use a helicopter to reach your patients, or that you might need to, then you might need to pick your insurer carefully. Some insurers might want to increase your policy premiums due to the flying.

Our expert advisers will find the right insurer and best life insurance for you.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness insurance for paramedics will usually be available at standard terms with most insurance providers.

Insurers don’t usually see paramedics as a being at a higher risk of claiming on a critical illness policy. But some insurers may be a bit cautious if you are regularly in a helicopter as part of your work. 

Our award winning advisers are here to find the right critical illness policy to match your work.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Paramedics income protection policies should be available with most insurance providers. If you fly in a helicopter you might need to be picky over the insurer, to make you get the best terms possible for income protection.

There are a lot of aspects to income protection. How much you’re insuring each month, when the policy ends, how long a claim can pay out for and really importantly for you when the insurance kicks in.

The reason that this is so important to paramedics is if you are part of the NHS you could have a good sick pay package. We often see people in the NHS with a sick pay benefit of 6 months full pay followed by 6 months half pay. You want to make sure that your income protection matches this as, or you could end up paying more for your insurance than you need to.

Our expert advisers are here to make sure that your occupation and income protection policy work together, to give you the financial peace of mind that you need.

There are some insurance policies that have specific claims for people working in the healthcare industry.

This can include cash payouts if you are diagnosed with HIV, hepatitis B or C, tuberculosis, bacterial meningitis and more.

Our advisers will talk through your insurance options so that you can make a clear choice over the right insurance for you.

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  • Paramedic
  • Senior paramedic
  • Air ambulance crew
  • Infectious diseases
  • Dangerous response situations
  • High speed driving
  • Accident response
  • Emergency patient care
  • Long driving distances
  • Heavy lifting
  • Administration of medication
  • Shift work

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Cura Financial Services has been rated 5 out of 5 based on 724 reviews.

Review by Nigel on 20th August 2020

Impeccable service. Excellent contact. Would highly recommend! Second policy I have taken out with them and their service and aftercare is second to none. I highly recommend this business and the team. Once again, thanks for helping me sort the cover. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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