Personal Accident Plan Accidents can happen when you least expect it, and a serious injury or accidental death could have devastating financial consequences for you and your family. Our Personal Accident Plan lets you concentrate on getting on with life rather than worrying about covering the bills.
About the Plan This plan provides a range of fixed amounts for death, hospitalisation and a range of accidental injuries. The fixed amounts vary according to the type and severity of the accident and loss. For example, our standard Personal Accident Plan pays from £1,000 for the loss of a little toe, to £250,000 for an accident leaving you with permanent total disablement.
Facts you need to bear in mind There are some situations that you are not covered for and some limitations on what will be paid out. This is a summary of the main exclusions and limitations of the policy.
You must be aged between 18 and 64 to take out this policy and reside in the UK for at least 7 months of the year.
Claims will not be paid if the accident or injury:
is as a direct result of consumption of excessive alcohol or use of illegal drugs
occurs while on duty as a member of the Armed Forces
occurs while pilots and cabin crew are flying as part of their job
occurs while participating in certain dangerous pastimes such as rock climbing, parachuting or motor racing
Limitations to what might be paid out:
the maximum amount that will be paid out in total on the policy
payment for serious disabilities, such as loss of the use of 2 limbs, total loss of sight and speech, is only payable once under the policy
payment for less serious disabilities, such as loss of hearing in one ear and loss of the use of 1 limb, are payable more than once under the policy. This is limited to the amount detailed on the schedule for adults and 10% of this amount for children
payment for hospitalisation is not paid for the first three days. It is only paid after the fourth day of being in hospital
where recurrent hospital stays are necessary for the same injury they must take place within 90 days of the last day of your original stay
payment for hospitalisation outside of the UK will only be paid if the accident and hospital stay are in the same country
if you are 65 or over, hospitalisation payments are half that shown on your Schedule of Benefits
if you die within 90 days of an accident we will only pay the death and hospitalisation benefits due under the policy. You will not receive any payment for disability even if you suffered this following an accident
if you have a pre-existing medical condition and an accident makes your condition worse, we will assess whether your condition was a factor when you make a claim. This may result in the amount paid being reduced proportionally
not all countries are covered. We do not cover most countries that might be considered dangerous, such as Afghanistan, Iraq, Iran, Israel and others such as India, China and Russia
No payment will be made:
if you are 65 and over or under age 16 and you suffer a Permanent Total Disability. A Permanent Total Disability means the inability to carry out any paid work at all for the rest of your life.
Full details are detailed in the Certificate of Insurance which is available on request.
Contact us now
Email: info@stonebridge-insurance.com Telephone: 0800 085 1692 Have a question?
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