Personal Accident and Sickness Cover in detail

Cover can usually be taken out in the following ways:

Personal accident only.
Personal accident and sickness.

Choosing the correct options will depend on your circumstances. We will establish which level is most appropriate when making the recommendations.

Cover typically includes:

Accidental death.
Loss of one or two limbs.
Loss of one or two eyes.
Permanent total disablement.
Temporary total disablement (per week).
Temporary partial disablement (per week) sickness benefits.
Total and irrecoverable loss of sight in both eyes.
Permanent total disablement by paralysis.
Temporary total disablement (per week).

Homemakers can be covered – Insurers recognise that although this is not a paid occupation someone else may have to be paid to do some of the jobs normally undertaken by a homemaker.

Physical contact sports or hazardous activities – These are more likely to lead to accidents so insurers may quote additional costs for these activities – they need to know what it is you do.

Limit on cover – Normally insurers will not offer cover for more than your net earned income. This is because the insurance is designed to replace income lost as a result of injury or illness.

FAQs

How much cover should I have?

This will vary depending on why it is required. Getting professional advice is useful for establishing how much protection you need and the most appropriate option to choose.
What happens if I can’t afford the cover?

When our advisers make recommendations they will take into account the budget you have available. If the solutions they recommended exceed your budget they will help you to prioritise, making sure the money you have available is going as far as possible to meet your objectives.