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Under government proposals, from April 2018 if you make a claim for SMI, payments will be made as a loan.

You will have to repay the loan either when you sell your house or voluntarily when you’re able to (for example when you return to work).

Find out more about Budgeting Advances on the Citizens Advice website.

If you’re on a low income you could get help towards the costs of arranging a funeral.

As well as working in general private and NHS practices we also provide cover for specialist referral practices, local NHS dental services, prisons, the MOD and many hospitals.