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An income Protection plan will pay out the benefits you have chosen until the end of your period chosen in the event of a claim (subject to underwriting and premiums being paid) no matter how many claims you have made throughout your policy period. When taking out an Income Protection insurance policy you can chose to have your policy Index Linked.

This effectively means that your policy will increase with inflation this also means that your monthly policy premium will increase as well. Most Insurance companied allows you to travel or live abroad whilst having and Income Protection policy.

Typically the countries that are covered by providers as with critical illness cover are the Isle of Mann, New Zealand, the USA, Canada, Australia and EU. Other countries may be available but it depends on the provider you have chosen. It may be a good idea to check with the Insurance Company before you activate the policy.