I already have cover elsewhere. Why do I need Hapi Protect?

Hapi Protect works alongside any existing cover you have. Our plans provide cash payouts directly to you, giving you additional financial support on top of your current policy. Whether it's extra help with bills, groceries, or other unexpected costs, it's your money to use as you see fit.

My partner has cover through their work. Do I still need this?

Our plans complement any cover your partner might have through their work. With Hapi Protect, payouts are made directly to you, giving you extra financial support for unexpected costs—whether it's for household expenses, travel, or anything else.

I already get sick pay. Why do I need this?

Sick pay is a great safety net, but it often doesn't cover all the additional costs of being unwell, like travel, parking, or household bills. Hapi Protect gives you extra support.

I'm too young for Death Benefit type of cover. Why should I consider it?

Health challenges don't always come with warning signs, regardless of age. Our plans help protect you from unexpected costs and give you one less thing to worry about.

I can't afford it right now. Are there options?

We offer plans at a range of levels, so you can choose the one that fits your budget. You can adjust your cover over time as your circumstances change.

I have pre-existing conditions. Will these be covered?

If you have pre-existing conditions, they won't be covered immediately when you join but will be covered after a qualifying period of 3 months. New conditions are covered immediately. If you are uncertain on what is covered call our Customer Hapiness team to find the best plan for your needs.

Does it matter that I smoke or am an ex-smoker?

No, being a smoker or ex-smoker doesn't affect your eligibility for Hapi Protect plans. Your lifestyle choices won't impact your ability to join, and our plans are here to support you regardless of your past or current habits.

I've been diagnosed with a specific condition. Does that matter?

A diagnosis won't stop you from joining, but any existing conditions may not be covered immediately. Coverage for new diagnoses begins after the qualifying period outlined in your plan. If you'd like to know more about how your specific condition might affect your cover, our team is happy to help explain.

I'm on a zero-hour contract. Can I still join?

Absolutely. Our plans are designed to support people in all types of work, including those with flexible or irregular hours. You can adjust your level of cover at any time.

Can I take this plan with me if I leave my employer?

Yes, you can take your Hapi Protect plan with you if you leave your employer. We'll help ensure your cover continues without interruption, so you stay protected no matter where life takes you.

What's the difference between inpatient, day patient, and outpatient?

Inpatient means you stay overnight in the hospital. Day patient means you occupy a bed for a complex procedure that requires a period of recovery but you don't stay overnight. Outpatient refers to hospital visits or appointments for advice, treatment, or consultation where you're not admitted.

I have appointments at NHS Community Hospitals, clinics, diagnostic centres, or treatment centres. Are these covered?

Yes, if your appointments are part of hospital treatment or diagnostics referred by a medical professional, they may be eligible for a claim. Coverage applies as long as the location and treatment meet the conditions of your plan. Feel free to contact us for specific details about your circumstances.

Is there a medical?

No medical is required to join our plans. We believe protection should be simple and accessible, so your health history won't prevent you from joining. Your plan's terms will outline what is covered and any applicable waiting periods for claims related to existing conditions.

Does this cover GP appointments?

No, GP visits aren’t covered. However, if your GP refers you for diagnostics or treatment at a hospital, you may be able to claim.