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Personal accident insurance

Have you thought about how an accident could affect you financially?

Nobody likes to think about it, but accidents do happen.

Each year, approximately 6 million people are injured in accidents, 2.7 million of which happen at home*.

BHSF's personal accident insurance insures you for accidents resulting in certain fractures of the arms and legs, overnight hospitalisation, permanent disabilities, and death.

The personal accident plan provides cover:

  • 24 hours a day, 365 days a year
  • Wherever you are in the world
  • Whether you are working or pursuing leisure activities

Things to know about BHSF's personal accident insurance:

  • Personal and family cover available
  • Cover starts from as little as £3.96 per month
  • Claim up to £500,000**
  • Anyone aged 16, who permanently resides in the United Kingdom, can apply
  • No medical required
  • Choose from 3 levels of cover. The higher the level of cover, the higher the benefits

This plan does not cover injury arising from certain circumstances such as:

  • War (declared or undeclared)
  • Intended self-inflicted injury/suicide/attempted suicide
  • Aerial activities other than as a passenger
  • Sickness or disease not resulting solely from an injury
  • Wilful exposure to danger

A full list of the policy exclusions can be found in the policy details.

*Statistics have been obtained from the RoSPA website January 2014.

**Based on Gold cover, Quadriplegia benefit.

Premiums and benefits

Cover Bronze Silver Gold
Individual £3.96 £9.90 £19.80
Family £7.92 £19.80 £39.60
Individual cover provides insurance for you. If you are a single parent your children* will also be covered.
Family cover provides insurance for you and your spouse/civil partner/permanent partner and children*

*Children are covered up until their 18th birthday, or until their 23rd birthday if they remain in full-time education.

Premiums are payable by convenient monthly Direct Debit.

Description Bronze Silver Gold Terminates on payment
Quadriplegia - Permanent total paralysis of all four limbs £100,000 £250,000 £500,000 Yes
Paraplegia - Permanent and total paralysis of the two lower limbs, bladder, and rectum £50,000 £125,000 £250,000 Yes
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 £40,000 £100,000 £200,000 Yes
Accidental death £40,000 £100,000 £200,000 Yes
a) Loss of hearing in both ears
b) Loss of hearing in one ear
£20,000
£10,000
£50,000
£25,000
£100,000
£50,000
No
No
a) Loss of sight of both eyes
b) Loss of sight of one eye
c) Total loss of the lens of one eye
£40,000
£20,000
£10,000
£100,000
£50,000
£25,000
£200,000
£100,000
£50,000
Yes
No
No
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
£16,000
£8,000
£8,000
£8,000
£8,000
£40,000
£20,000
£20,000
£20,000
£20,000
£80,000
£40,000
£40,000
£40,000
£40,000
No
No
No
No
No
Permanent loss by severance or total and permanent loss of use of both hands and feet £40,000 £100,000 £200,000 Yes
Permanent loss by severance or total and permanent loss of one hand or foot £20,000 £50,000 £100,000 No
Permanent loss by severance or total and permanent loss of use of four fingers and thumb of either hand £16,000 £40,000 £80,000 No
Permanent loss by severance or total and permanent loss of use of four fingers of either hand £8,000 £20,000 £40,000 No
Permanent loss by severance or total and permanent loss of use of one thumb of either hand:
a) Both joints
b) One joint
£8,000
£4,000
£20,000
£10,000
£40,000
£20,000
No
No
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
£2,000
£1,400
£800
£5,000
£3,500
£2,000
£10,000
£7,000
£4,000
No
No
No
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
£6,000
£2,000
£800
£800
£15,000
£5,000
£2,000
£2,000
£30,000
£10,000
£4,000
£4,000
No
No
No
No
Fracture or fractures of one or more bones of the arm (humerus, radius, and ulna) £200 £500 £1,000 No
Fracture or fractures of one or more bones of the leg (femur, patella, tibia, and fibula) £400 £1,000 £2,000 No
Fracture or fractures of one or more bones of the wrist £200 £500 £1,000 No
Fracture or fractures of one or more bones of the ankle £400 £1,000 £2,000 No
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
£4,000

£3,200

£2,400

£1,600
£10,000

£8,000

£6,000

£4,000
£20,000

£16,000

£12,000

£8,000
No

No

No

No
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 £150 per week £375 per week £750 per week No

Find out more

Call our Helpdesk team today on 0800 622 552

What our customers say

Health cash plan
"I've used this service four times in the last year. The last call was for my wife; we called at 7am and a doctor called back within 25 minutes. The problem was addressed over an hour before our local surgery even opened. Unless I need to see my GP in person, I would use this facility every time from now on."
BHSF policyholder
Health cash plan
"I go to the osteopath every two months to help with the damage done to my back. The benefits are enormous. My back pain has gone, and I can now see to the side without having to turn around. With each session costing £42, my health cash plan is helping me maintain a major improvement in my physical wellbeing."
BHSF policyholder
Care4
"Care4 has provided me with the reassurance that if the inevitable happens, my family will have the financial support they need. It will be an emotional time, and it doesn't need to be made any more difficult by worries of where the money will come from to pay for the funeral."
BHSF policyholder
Network Benefits
"This year my car insurance quote increased significantly, so I decided to look around to find a better deal. With Network Benefits I was able to get a quote that was £100 cheaper than my renewal and would reduce my excess by £430 - the service was quick and effective. I would recommend it to anyone."
Network Benefits member

Other products

Awards

Health cash plan provider of the year 2016
Investment Life and Pensions Awards
Investment Life and Pensions Awards - Commended in the Best Health Cash Plan Provider category
Midlands Business Awards
Winner of Midlands Corporate Commitment to the Community Award at the Midlands Business Awards
Birmingham chamber of commerce
Mike Tresham, Operations Manager, BHSF - Winner of the Future Face of Business Award at the Birmingham Chamber Bicentenary Awards
Birmingham chamber of commerce
Joint winner of the award for Excellence in Contributing to the Community
Very important benefits award 2016
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