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)