Multi Protect Insurance

Accident, hospital, and personal injury cover with no medical underwriting — available to anyone aged 18 to 65, regardless of health conditions.

Multi Protect is a flexible accident and hospital cover plan that requires no medical underwriting whatsoever. It covers you for a wide range of events including broken bones, loss of sight or hearing, loss of limbs, and UK hospital stays lasting more than 24 hours — making it an accessible safety net for anyone aged 18 to 65.

Because there are no health or lifestyle questions to answer, Multi Protect is ideal for people who may have been declined for traditional insurance products due to existing medical conditions. The plan uses a simple unit-based pricing model — you choose how many units of cover you want, and can adjust up or down as your needs change. Cover can also be extended to include your children.

Our advisers can walk you through exactly what's covered, explain the payout schedule, and help you decide how many units are right for your circumstances. There's no cost for our advice and no obligation to proceed.

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What Is Multi Protect?

Multi Protect is a plan that covers you while you are alive for a range of accidents and injuries. It includes cover for broken bones (both major and minor fractures), loss of sight, loss of hands or feet, loss of hearing, and more. It also provides cover for UK hospital stays of over 24 hours.

Unlike traditional forms of insurance, Multi Protect is non-medically underwritten. This means there are no health or lifestyle questions to answer — we can cover anyone between the ages of 18 and 65, including those with existing medical conditions. This makes it an accessible form of protection for people who may have been declined for other types of cover.

Who Is Multi Protect For?

Multi Protect is designed for people who want day-to-day accident and hospital cover. It's especially useful if you:

Have been declined for traditional life or critical illness cover due to medical conditions
Want cover for everyday accidents and hospital admissions
Are looking for affordable, flexible cover that you can scale up or down
Want to cover your children as well as yourself

Key Benefits

No medical underwriting — no health questions and no risk of being declined for health reasons
Wide accident cover — fractures, loss of limbs, loss of sight or hearing, and hospital stays
Cover for your children — extend protection to all your children from as little as £1 per unit
Flexible unit-based pricing — choose how many units you want and adjust your cover as needed
Ages 18–65 — available to a wide age range with existing health conditions accepted

Things to Consider

How does the unit-based pricing work?

Multi Protect is priced per unit, with each unit costing from £1. The more units you purchase, the higher the payout for each covered event. For example, if a fracture pays £500 per unit and you hold 3 units, you'd receive £1,500. You can increase or decrease your units to match your budget and the level of cover you want.

What exactly is covered?

Multi Protect typically covers a range of accidental injuries including major and minor fractures, loss of sight, loss of hearing, loss of hands or feet, and UK hospital admissions lasting more than 24 hours. The specific events and payout amounts are set by the provider. Our advisers can walk you through the full schedule of cover so you know exactly what's included.

Can I really get cover with existing health conditions?

Yes. Because Multi Protect is non-medically underwritten, there are no health or lifestyle questions. This means existing medical conditions do not affect your eligibility or the cost of your cover. It's designed specifically to be accessible to people who may not qualify for traditional insurance products.

Is Multi Protect a replacement for life insurance?

No. Multi Protect covers you for accidents and hospital stays while you're alive — it does not pay out a lump sum on death. If you need life cover, you should consider a level term or over 50's plan. Many people choose Multi Protect alongside other policies for broader protection.

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Find Out if Multi Protect Is Right for You

Our FCA-regulated advisers can explain how Multi Protect works and help you choose the right level of cover. Get in touch today — it's free and there's no obligation.

Get a Free Quote 0800 802 1983