50+ Personal Accident Plan cushions the financial impact of an injury by paying out a cash lump sum if you suffer fractures, dislocations, burns or death as a result of an accident.
These benefits don’t reduce with age and the cover continues until your 85th birthday.
| Table of Benefits (How much an insured person is covered for under each section of cover) | Cover Amount | |
|---|---|---|
| Accidental Death Benefit | £20,000 | |
| Fractures | ||
| Hip, upper leg, heel or pelvis (incl. coccyx) | £6,000 | |
| Lower leg, skull, collar bone, ankle, arm (including wrist and elbow) | £4,200 | |
| Hand (excl. fingers), foot (excl. toes and heel), shoulder blade, knee-cap or sternum | £3,000 | |
| Any other fracture | £1,500 | |
| Single fracture maximum | £6,000 | |
| Burns | ||
| Third degree burns to 15% or more of body surface or 50% of either hand | £5,000 | |
| Third degree burns to at least 4% but to less than 15% of body surface (except hands) | £2,500 | |
| Second degree burns of 9% or more of body surface | £2,500 | |
| Single claim maximum | £5,000 | |
| Dislocation | ||
| Single dislocation | £2,000 | |
| Single dislocation maximum | £2,000 | |
| Single claim maximum | £4,000 | |
| Maximum Total Benefit across all claims per insured person | £20,000 | |
What is not covered
If the accident occurs as a result of any of the following:
• naturally occurring conditions that do not result from an injury,
• any sickness or disease not directly resulting from injury,
• suicide or attempted suicide or deliberate self-injury,
• competing in any kind of race other than on foot or while swimming,
• diving, underwater diving, mountaineering / rock climbing, potholing or parachuting,
• flying activity except as a fare paying passenger on a registered commercial airline,
• motorcycling as a driver or a passenger,
• being under the influence of alcohol, illegal drugs or medication that hasn’t been prescribed to you.
• Breaks which are caused by unhealthy bones, for example osteoporosis. Although, if the accident would have caused a healthy bone to break, you may still be covered.
For benefits to be payable death must occur within 12 months of the accident. And for injury within 90 days of the accident.
This policy is underwritten by Advent Insurance PCC Ltd - UIB Cell. Authorised and regulated by the Malta Financial Services Authority. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
This is a summary of the significant exclusions on the policy. For a full explanation of the terms and conditions please read the Policy Wording carefully in the policy docs tab.
