Income Protection Day One & Deferred Options

In 2018, 1 in 7 of our Day One Income Protection clients availed of their cover. For some professions the rate was as high as 1 in 5, demonstrating how often people become unwell and need to take time off. Income protection provides you with a replacement income in the event that you cannot work due to illness or injury.

If you are self-employed, you are entitled to a limited amount of state illness cover. For those who are employed, arrangements may vary from no employer cover to a number of months paid leave. We will work with you to arrange the most appropriate option for your and your circumstances.

Day One Income Protection covers you from the first day of illness – no waiting period. Our tailored policies provide you with a replacement salary for the duration of your illness (up to 66% of your income plus state illness benefit).

  • No Deferral Period – Cover From Day One
  • All Accidents & Illnesses Covered (bar pre-existing conditions)*
  • Tax Relief At The Marginal Rate
  • 100% Claims Paid

Whether its a short term cold or flu or a longer term serious condition, as long as you are unable to work you will be covered. The claims procedure is swift and seamless with your first payment arriving within 1-2 weeks of the receipt of your form.

Omega specialises in the provision of income protection for a variety of professions, including medical, healthcare, engineering and Information Technology. Each profession has specific requirements relating to employment status and industry structure.

Click on your relevant industry below, or contact us with any specific queries.

*COVID-19 is excluded for new applicants.


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We provide tailored advice according to an individual’s personal circumstances. We work with all of the following institutions to provide you with a wide range of options and objective relevant advice:

Having been a member for a few years, I finally had cause to avail of my Omega Day One income protection policy recently. My GP certified me unfit for work for 2 weeks on a Monday. A short form was filled, the money was in my account the same week – which allowed me to pay my locum. Found the whole process very easy, such a relief. Would highly recommend this to all GPs.

- Dr Sinead Murphy
GP (Galway)