Terms and Conditions
If you would like to view a copy online please search using the box below. (Without using the search functionality you may find multiple versions of the T&Cs for each product) Enter the product code within your policy number, this is the 3 characters in the middle, you will find this on your annual communications e.g. AD1, AR1, PA1, SE1
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10 results match your search
Accident Cash Plan
June 6, 2018
This Accident Cash Plan pays out benefit for every day of hospitalisation in the UK as a direct result of an accident in the UK or an out of country territory (AR1, 2AR, 3AR, AR4, XR1)
Download Accident Cash Plan TCs
| PDF | 271 KB
Accident Cash Plan Supplemental
July 8, 2020
This Accidental Cash Plan pays out benefit for every day of hospitalisation in the UK as a direct result of an accident in the UK or an out of country territory. Enhanced benefits are paid for every day of hospitalisation in an out of country territory as a direct result of an accident in an out of country territory. We agree to provide the insurance cover described in this supplemental policy to insured persons provided that the premium is paid when it is due and we agree to accept it. (ARR)
Download Accident Cash Plan Supplemental TCs
| PDF | 271 KB
Accidental Death
June 13, 2020
This Accidental Death Policy provides two distinct types of benefit: a one-off cash payment in the event of an insured adult suffering an accidental death, the amount depending on the type of accident; and a one-off cash payment in the event of an insured child suffering an accidental death (1AD, 2AD, AD1, AD5, AD7, RD1, UD1, XD1, U1D, A1D, XD2, 3AD)
Cash Replacement Plan
June 13, 2020
This Cash Replacement Plan provides the policyholder with the following benefits: Incapacity benefits for each continuous day after the deferred period you are incapacitated due to a sickness or a bodily injury as a direct result of an accident; and (if indicated on the schedule) Unemployment benefits for each continuous day after the deferred period you are no longer in full-time work and are registered as being unemployed (AS1)
Disability Injury Supplemental Plan
July 8, 2020
This Disability Injury Plan provides the following benefits ; Incapacity benefits for each continuous day after the deferred period that an insured adult is incapacitated due to a bodily injury as a direct result of an accident that is certified by a doctor ; A one off permanent total disability benefit once the insured adult has received at least 12 incapacity benefit payments and is certified by a doctor as suffering a permanent total disability To take out this policy, you and your partner (if chosen to be covered) must be: have an active accidental death plan policy, accident cash plan policy or life protection plan policy provided by us (TDR)
Download Disability Injury Supplemental Plan TCs
| PDF | 208 KB
Disability Injury Supplemental Plan
July 16, 2020
This Disability Injury Plan provides the following benefits Incapacity benefits for each continuous day after the deferred period that an insured adult is incapacitated due to a bodily injury as a direct result of an accident that is certified by a doctor ; A one off permanent total disability benefit once the insured adult has received at least 12 incapacity benefit payments and is certified by a doctor as suffering a permanent total disability (TDP)
Drivers Protection / Accidental Death Supplemental Plan
July 8, 2020
This Accidental Death Policy provides two distinct types of benefit: a one-off cash payment in the event of an insured adult suffering an accidental death, the amount depending on the type of accident; and a one-off cash payment in the event of an insured child suffering an accidental death. We will pay the benefit shown on the schedule under i. Road Traffic Accidents for the accidental death of an insured adult or an insured child as a direct result of; • a collision or crash of a motor vehicle on a public roadway while the motor vehicle is in motion and operated under its own power or; • being struck as a pedestrian by a motor vehicle on a public roadway while the motor vehicle is in motion and operated under its own power (RT1)
Download Drivers Protection / Accidental Death Supplemental Plan TCs
| PDF | 205 KB
Permanent Disability Injury Supplemental Plan
July 8, 2020
This Permanent Disability Injury Plan pays out a cash benefit in the event an insured adult or insured child suffers a permanent disability following an accident (PDR)
Download Permanent Disability Injury Supplemental Plan TCs
| PDF | 134 KB
Personal Accident Plan
June 6, 2018
This Personal Accident Policy provides the following four types of benefit: a one-off cash payment in the event of an insured adult or insured child suffering accidental death ; a one-off cash payment in the event of an insured adult or insured child suffering disability following an accident ; a daily cash payment in the event of hospitalisation in the UK following an accident in the UK or an out of country territory ; enhanced daily benefits for hospitalisation in an out of country territory as the direct result of an accident in an out of country accident (PA1, PA7, 4PA)
Serious Illness Cash Plan
June 23, 2020
This Serious Illness Cash Plan pays out the following benefits : a daily cash payment in the event of hospitalisation in the UK as a direct result of an illness ; a cash payment for outpatient treatment at a hospital in the UK as a result of an illness (SE1)
Download Serious Illness Cash Plan TCs
| PDF | 268 KB