I want to receive a monthly income if I become sick, unemployed or have an accident for the whole time that I'm off work (i.e. no time limit)

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In this case then you want Permanent Health Insurance.

Permanent Health Insurance is a complex form of insurance and can be very costly - as a result, we do not sell permanent health insurance policies through this website. If you would like to learn more about permanent health insurance, we suggest you contact a local Independent Financial Adviser.
 
Please Note:
This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.