Personal accident insurance

Personal accident benefits table

The personal accident plan covers all serious injuries as specified in the benefits table below, resulting from an accident that cause permanent disability or death. Fractures, burns and expenses for dental charges as detailed in the table of benefits are also covered by the plan.

The plan is offered in units, with a maximum of 10 units available. Each unit provides an amount of cover for particular incidents. The more units of cover selected, the greater the benefits. The benefits below represent one unit except where indicated.

Policies are available for either individuals or families. Payment is made by individual monthly direct debit.

If you are interested in offering Personal accident insurance as an part of your client’s employee benefits package, call 0121 629 1165 or request further information today.

Item	Description	Benefit per unit	Policy terminates when benefit payment is made under item
1	Quadriplegia Permanent total paralysis of all four limbs	£50,000	Yes
2	Paraplegia Permanent and total paralysis of the two lower limbs, bladder and rectum	£25,000	Yes
3	Permanent total disablement - which lasts for 52 consecutive weeks and will in all probability prevent the insured from engaging in gainful employment of any and every kind for the remainder of their life.	£20,000	Yes
4	Fatal Injury	£20,000	Yes
5	a) Loss of hearing in both ears b) Loss of hearing in one ear	£10,000 £5,000	No No
6	a) Loss of sight of both eyes b) Loss of sight of one eye c) Total loss of the lens of one eye	£20,000 £10,000 £5,000	Yes No No
7	a) Loss of use of shoulder b) Loss of use of hip c) Loss of use of knee d) Loss of use of wrist e) Loss of use of elbow	£8,000 £4,000 £4,000 £4,000 £4,000	No No No No No
8	Permanent loss by severance or total and permanent loss of use of both hands and feet	£20,000	Yes
9	Permanent loss by severance or total and permanent loss of one hand or foot	£10,000	No
10	Permanent loss by severance or total and permanent loss of use of four fingers and thumb of either hand	£8,000	No
11	Permanent loss by severance or total and permanent loss of use of four fingers of either hand	£4,000	No
12	Permanent loss by severance or total and permanent loss of use of one thumb of either hand: a) Both joints b) One Joint	£4,000 £2,000	No No
13	Permanent loss by severance or total and permanent loss of use of fingers on either hand: a) Three joints b) Two joints c) One joint	£1,000 £700 £400	No No No
14	Permanent loss by severance or total and permanent loss of use of toes on either foot: a) All - one foot b) Big - both joints c) Big - One joint d) Other than big, each toe	£3,000 £1,000 £400 £400	No No No No
15	Fracture or fractures of one or more bones of the arm (humerus, radius and ulna)	£100	No
16	Fracture or fractures of one or more bones of the leg (femur, patella, tibia and fibula)	£200	No
17	Fracture or fractures of one or more bones of the wrist	£100	No
18	Fracture or fractures of one or more bones of the ankle	£200	No
19	Full thickness burns which cover a) 27% or more of the body surface b) 18% or more but less than 27% of the body surface c) 9% or more but less than 18% of the body surface d) 4.5% or more but less than 9% of the body surface	£2,000 £1,600 £1,200 £800	No No No No
20	Benefit while confined to hospital as an in-patient overnight as a result of an accident payable for a maximum of 104 weeks at a rate of	£75 per week	No

Total sum insured (up to)	No. of units	Individual Monthly premium	Family Monthly premium
£50,000	1	£1.70	£3.40
£100,000	2	£3.40	£6.80
£150,000	3	£5.10	£10.20
£200,000	4	£6.80	£13.60
£250,000	5	£8.50	£17.00
£300,000	6	£10.20	£20.40
£350,000	7	£11.90	£23.80
£400,000	8	£13.60	£27.20
£450,000	9	£15.30	£30.60
£500,000	10	£17.00	£34.00

Monthly premiums include Insurance Premium Tax (IPT) at the applicable rate.