If you've ever been hurt at work or suffered an illness that means you can no longer earn, you may know the financial impact this can have on you and your family. personal alert safety system Thankfully, there are solutions to help you during this time of change.What is Sickness and Accident Insurance?Sickness and accident insurance (also known as income protection) is a type of cover that helps to pay your monthly outgoings if you can't work because of an illness or injury. It provides up to 70% of your average monthly salary every month, enabling you to meet your everyday living costs until you're able to return to work, or indefinitely, depending on your circumstances.What is the best level of accident and sickness cover?The level of cover you need will depend on a number of factors, including your salary, lifestyle and age. Typically, personal accident and short-term income protection is available as pre-defined levels of cover, with each level offering progressively more coverage.Does it pay out if I'm diagnosed with a critical illness?If you have critical illness cover, you can receive a lump sum if you're diagnosed with one of the conditions listed in your policy. However, this type of insurance can exclude certain conditions, so always read your benefits carefully to ensure that you're getting the cover that's right for you.What are the pre-existing conditions that it excludes?If you have a pre-existing condition, you may not be able to take out a policy with MetLife. Please check with your local MetLife agent for more information about the exclusions and limitations of your policy.