A+H - Bill Cover
- Accident and Sickness
- Individual
- Any working individual or business owner
Product Overview
A+H - Bill Cover by Agile Underwriting Services helps working clients keep bills paid when injury or sickness stops regular work. Instead of replacing full income, it pays a set monthly amount that can go toward rent, mortgage, utilities, or business overheads.
Clients choose a monthly benefit from $2,000 to $8,000, with payment periods of 6, 12, or 24 months. After a short waiting period, the policy keeps money coming while the client recovers and works with their doctor.
About A+H - Bill Cover by Agile Underwriting Services
Cover is available for individuals or couples, with the same simple structure across all benefit levels. An extra Broken Bones benefit, up to $8,000 depending on the level chosen, can help with one‑off costs after a serious fracture.
Eligibility focuses on adults in permanent work, including employees and self‑employed people who rely on steady monthly cashflow. The wording explains key limits, age cut‑offs, and exclusions, so brokers can line up Bill Cover with each client’s needs.
For brokers wanting to place this cover, the existing tools on this page, like the ‘Contact Underwriter for Quote’ option, make it easy to compare, quote, and follow the product documents. A quick look at the contact options and reference material can round out any client discussion.
A+H - Bill Cover by Agile Underwriting Services FAQs
What is bill cover insurance?
Bill cover insurance pays a fixed monthly benefit when an insured person cannot work due to a covered injury or sickness. The benefit is designed to help keep regular bills paid for a set period, so clients can focus on treatment and recovery while medical specialists provide care and certificates.
What types of cover levels are available under A+H - Bill Cover by Agile Underwriting Services?
This product offers four cover levels, each with its own monthly benefit and Broken Bones limit. Monthly benefits are $2,000, $4,000, $6,000, or $8,000, with matching fracture benefits up to $8,000 and an overall aggregate limit of up to $200,000 per person that fits within the Individual Insurance line of business.
What employment types are considered permanent work for eligibility under this bill cover policy?
Permanent work includes employees who regularly work at least 20 hours per week, rather than seasonal or casual shifts. For self‑employed clients of A+H - Bill Cover by Agile Underwriting Services, permanent work means an ongoing business activity that is not seasonal, intermittent, or based on a short contract.
How does the policy define a pre‑existing condition for injury or sickness?
A pre‑existing condition is any sickness, illness, disease, syndrome, disability, or related issue that existed in the 12 months before cover started. It includes symptoms the insured knew about, or reasonably should have known about, or sought medical advice, treatment, or tests for during that period.
Are there specific exclusions that commonly apply to Bill Cover claims?
Yes, A+H - Bill Cover by Agile Underwriting Services lists exclusions where no benefit is payable, including situations involving criminal acts, illegal drug use, or driving over the legal alcohol limit. There are also limits around maximum age, certain aviation activities, health insurance business, and some existing conditions, so brokers should always check the schedule and exclusions against each client’s risk profile.
Accident and Health
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