Sickness and Hospitalisation Plans

Most people don’t think they will have more than a week off work through sickness. Sadly illness or accident can affect any of us at any time and this could significantly reduce your earnings. What happens then when the bills keep coming in?

TFS offers a straightforward Sickness Plan that will pay you a weekly sum if you are off work sick for more than a week. It even gives you a ‘NO CLAIM BONUS’ for each year you don’t make a claim.

Simply choose…

  • How much you wish to pay – remember, the cost never goes up after your plan starts!
  • How long you wish to be paid for – also remember all benefits are tax-free and are in addition to any statutory or company payments!


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Sickness Plan

Simply choose how much you wish to pay (the higher your contribution the more we pay you if you are off sick), then select the maximum number of weeks you would like the benefit to be paid (5 weeks or 12 weeks). For each year that you do not make a sickness claim, we will pay you a No Claim Bonus (NCB); the amount payable is dependent on the total benefit you have selected to be paid.

Subject to submission of a valid claim, benefit is payable from the second week of any sickness for up to the maximum number of weeks you selected in any 12 month period. The Plan does not cover sickness that starts in the first 13 weeks of the Plan’s start date.  

  • Contributions start from £2.10 per week
  • Cost never goes up and contributions don’t increase with age
  • Benefits are paid tax free
  • Up to £175 a week benefit when sick
  • Additional discretionary benefits
  • You can upgrade or downgrade your cover
  • Your Plan will end on your 65th birthday
  • You may qualify for a No Claim Bonus* when you leave


We will pay you a NCB for each full calendar year you do not make a claim. We will pay at least £1 for every £7 of benefit you have selected , provided you have paid contributions for at least 5 years. We will pay this as a lump sum, either:

  • After you reach age 60, or end eligible employment and stop contributing into the Plan, or
  • If you are medically discharged from eligible employment before your 60th birthday and stop contributing into the Plan (subject to satisfactory medical evidence).

We will pay a NCB upon your death, irrespective of whether you have paid contributions for 5 years or not.

A No Claim Bonus will not apply to any period of membership beyond age 65.


Hospitalisation Plan

If you take out a Sickness Plan (or already have one) you also have the option of adding in Hospitalisation Cover.

No one likes to think it will happen to them but sometimes long-term illness can lead to a stay in hospital. Hospitalisation Benefit means that for a few pence more TFS will pay you a daily benefit if you are unfortunate enough to have to stay in hospital overnight.  Hospitalisation Plan is an add-on to the Sickness Plan.

  • You choose how much you wish to pay, the higher the contribution, the higher the benefit.
  • Contributions start from 26p a week
  • Cost never goes up
  • Benefits are paid tax free
  • Up to £35 a night
  • You can apply to add, and pay for more units of cover later on

Target Market and Fair Value Assessment

Claims in respect of Sickness, Hospitalisation and Discretionary Benefits can be made online.

Download Brochure


Exciting News:

You can now continue to enjoy the benefits of a TFS Sickness Plan past the age of 65!

The TFS Sickness Plan is designed to cease on your 65th birthday. However, if you are approaching the age of 65 and staying in employment and wish to apply to extend your Sickness Plan up to age of 70, you can now do so.

We will write to you upon your 65th birthday to let you know your Plan is coming to maturity. At that time, you can decide whether you wish to apply for extension and continue to enjoy the benefits.

  • Extend your Sickness Plan past the age of 65 and up to age of 70
  • You can maintain your level of cover or decrease it
  • You will need to pay your contributions monthly by Direct Debit
  • Your contributions will be increased annually on your birthday and the rate charged may be subject to change