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Therapists

Therapists

Working in the therapy sector can be both challenging and rewarding. Ensure that you have the correct cover to protect you and your loved ones from when difficult times may come.

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  • Our tailored insurances for foreign workers include...

  • Why choose San Lorenzo?
    • Sector Expertise

      We’re all about making life a tad bit easier for your loved ones back in your home country should things not go to plan. As a foreign worker, naturalised citizen or ex-pat we calculate and issue the best cover.

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    • Local Knowledge

      With an appreciation for how different markets operate within this jurisdiction, we work closely with our partners to lock in coverage that matches realistic scenarios that may present themselves to you.

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    • Intimate Understanding

      Having a keen eye for the times we live in, we will get to the crux of the issues that concern you the most. By showing how these matters are best remedied we will help to safeguard your loved ones.

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    • International Connections

      With global agents and partners, we can ensure funds reach your loved ones cost-effectively at the time of payout. In practice, this means applicable fees and taxes will be minimised to ensure max gains.

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    • Financially Stable

      Being part of a broader group of companies has given us the spending power to break up our offering into unique product ranges. This allows us to be dedicated to your requirements without interference.

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    • Niche Specific

      You’ll be excited to know we designed this product to deal with a particular demographic. Noticing its need quick, we’ve adopted this approach and the right sentiment for taking on customers in this category.

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    • Client-First Approach

      What we want to know is that you are always confident in the investment you are making. We will ensure we are always easy to reach and that you can access all of your vital documents whenever needed.

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    • In-Depth Experience

      By possessing team members who use this product range you couldn’t ask for more passionate representatives. We’re proud our staff represent and reside in the same communities as buyers of our offering.

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    • Meaningful Rates

      Our rates are tailored to your needs. Albeit a specialist cover, it is priced in line with more general insurances you find across the market, only that it’s crafted to a cause that is closer to your heart.

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  • Some Useful Statistics
    • 40,000

      Filipino staff employed in the NHS

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    • 4,000

      Filipinos came to work for the NHS between 2016-2019

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  • Get started today
    Get started today

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  • Common Questions
    What is Family Income Benefit?
    What is Family Income Benefit?

    This cover is similar to Life Assurance in that it will pay out if death occurs, however and provides an income per year for the term remaining on the policy rather than a lump sum. For example, for a 20 year term, where the claim occurred after five years, there would be 15 annual payments made in total. Payments can be made either annually or monthly.

    The amount you pay per month is called the premium. It can either be guaranteed not to change, or it can be reviewable.

    What is Critical Illness Cover?
    What is Critical Illness Cover?

    This is insurance that pays out when a defined medical event occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness.

    Cover is for a set term, which may be equal to a mortgage term, for when children have grown up, until retirement or another life stage milestone. It may be worth considering having one policy for a set term to cover the mortgage, and another that will provide money to help provide for your different lifestyle if a serious illness happens.

    Most people choose a lump sum to be paid out. There is the option of receiving it as set income over the term remaining, which is often a lower cost option.

    What is Income Protection?
    What is Income Protection?

    This provides income where you are ill or injured, and as a result your income through employment or your normal route stops.

    It is designed to replace most of your net income. Cover lasts for either a set term in whole years, or to a given age (typically your retirement age).

    What is Private Medical Insurance?
    What is Private Medical Insurance?

    This is insurance that pays the hospital or Doctor for your treatment. It can include treatment in a private ward, or being seen earlier in an NHS ward. Some plans also allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don’t have any link to NHS waiting times.

    You are either medically checked and underwritten at outset (so you know what you’re covered for and what you won’t be), or have no medical checking at outset (but conditions that occurred two years before taking out the cover are not covered, and often there is no cover for a reoccurrence within five years after taking out the plan). Premiums are usually reviewable annually.

    Do your insurance payouts attract tax?
    Do your insurance payouts attract tax?

    Life assurance / Critical Illness / Income Protection payouts do not attract income tax, or capital gains tax. There may be an inheritance tax liability to pay, and we can provide guidance on this.

    What is Life Assurance?
    What is Life Assurance?

    This is cover that pays out on death. Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months. It can pay out as a lump sum, or as income for the remainder of the policy term.

    Cover can last for a set term called Term Assurance, or can last throughout life, Whole of Life. This payout is guaranteed.

    The amount of cover can remain the same or increase / decrease annually. Level term assurance stays the same throughout. Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage.