It ensures you continue to receive a regular income until you retire or are able to return to work.
It replaces part of your income - if you can’t work because you become ill or disabled.
It pays out until you can start working again - or until you retire, die or the end of the policy term - whichever is sooner.
There’s often a waiting period before the payments start - you generally set payments to start after your sick pay ends, or after any other insurance stops covering you. The longer you wait, the lower the monthly premiums.
It covers most illnesses that leave you unable to work - either in the short or long term (depending on the type of policy and its definition of incapacity).
You can claim as many times as you need to - while the policy lasts.