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Personal Protection for Opticians

Personal Protection – covering your family, health and lifestyle

Your wellbeing and the health of your family are your most important assets. You insure your phone and car – so why not yourself?

When was the last time you reviewed your personal protection policies?

Circumstances change but your policies may not reflect them. Let MIAB take a look and see how quotes compare.

MIAB works with market-leading insurers to provide bespoke insurance and expert advice. And even though we specialise in the healthcare sector, we can review anyone’s Personal Protection policies, regardless of job role.

Income Protection

Income Protection insurance pays up to 60% of your gross salary as a monthly tax-free amount if you are unable to work through sickness or accident.

It ensures you continue to receive a regular income until you go back to work in your own occupation, or retire.

Find out more | Get a quote

Life Insurance

Easing the financial burden at difficult times, Life Insurance pays a tax-free lump sum upon death of the insured, offering financial security to loved ones to clear any outstanding debt, e.g. a mortgage.

A policy can be set up as part of a partnership agreement to protect a business and its partners, for business borrowing, or key man cover.

Find out more | Get a quote

Critical Illness Cover

Critical Illness Insurance provides a tax-free, cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the policy.

These will vary by policy but typically include 50+ illnesses, plus additional partial payments for less severe/lower grade conditions.

Find out more | Get a quote

Private Medical Insurance (PMI)

Supporting NHS treatment, PMI is a simple way to protect your health and the health of your loved ones by paying for private care, making sure you get seen quicker by a specialist and treated quickly to get you back to the same health as you were before you became unwell.

Depending on the cover, the policy may include tests, hospital accommodation, nursing care, surgery and therapy.

Find out more | Get a quote

More information and Queries

Contact us to find out how we can add value to your personal protection.

Contact us
Key Features

    All of our Personal Protection products include:

  • Choice of the amount of cover or monthly premium you'd like to pay
  • Choice of length of time you'd like the plan to last (maximum age depends on the policy)
  • Can be combined with other products
  • Policies from leading UK insurance companies
  • Income Protection

  • Guaranteed or index linked premiums
  • Additional payments for fractures available via some insurers
  • Benefit is free from tax and National Insurance so you will receive what you are insured for
  • Critical Illness Cover

  • Decreasing and level options available
  • Premiums can be guaranteed so you know exactly what you will be paying for the duration of the plan
  • Tax-free lump sum payment, after diagnosis of a condition listed on the plan
  • 50+ illnesses under full payment, and additional partial payments for less severe illnesses
  • Life Insurance

  • Level, decreasing or increasing cover options available
  • High cover limits available
  • Terminal illness benefit included
  • Tax-free lump sum payment
  • Private Medical Insurance

  • Fast access to specialist consultants for diagnosis and treatment
  • Expert, specialist care
  • Free health helplines
  • Optional benefits
  • A range of underwriting options


Renewal time comes around so quickly but it was a simple and easy process. Given lots of time to review the renewal policy and ask any questions, which were answered very promptly. The price is very competitive too! Great service from a very good company!
- Lilian Borrows, Practice Manager, Sullivan Way Surgery