Personal Accident Insurance for Students

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1 Personal Accident Insurance for Students Offering vital protection against injuries anywhere in the world, when taking part in organised activities. For more information call or

2 BUCS vision is to enhance the student experience through sport, be that in the BUCS leagues and events or at social and participative level. The Endsleigh personal accident product has been developed to be flexible, with options that suit every student who plays sport. Karen Rothery BUCS, CEO Over the last 20 years Endsleigh has been providing a personal accident product that is created specifically for students. Through regular consultation and engagement with our customers, students, officers and BUCS representatives, we continue to review and evolve our offering to ensure students participating in organised activities are protected. Endsleigh brings a great understanding of our organisation and the student movement, which enables them to deliver appropriate insurance solutions for both NUS and its members. The longstanding commitment to students is at the core of both our organisations. Dave Farbrother National Union of Students, Group Finance Director Our Personal Accident Insurance scheme is designed for both Universities and Students Unions, providing invaluable financial protection for students while participating in organised activities. Every full and affiliated member of your organisation, including part-time students, can be covered. Members will be protected anywhere in the world whilst taking part in organised activities, including training and practice sessions.

3 Claims examples American Football 3,966 Fractured Tibia and Fibula Temporary Total Disablement 1,246 Hospital Confinement 220 Course Deferment Expenses 2,500 Trampolining 472 Broken Leg Broken Bones 350 Travel Expenses 122 Cheerleading 3,922 Back injury Hospital Confinement 660 Temporary Total Disablement 762 Course Deferment Expenses 2,500 Gaelic Football 15,680 Damage to Kidney - a result of being elbowed Permanent Disabling Injuries 15,000 Hospital Confinement 360 Temporary Total Disablement 320 Hockey 728 Hit in the Mouth Dental Expenses Travel Expenses 100 Temporary Total Disablement 28 Sky Diving 104,260 Parachute became tangled Permanent Disabling Injuries 100,000 Temporary Total Disablement 1,560 Hospital Confinement 2,700 Rugby 22,530 Retinal tear Permanent Disabling Injuries 22,500 Hospital Confinement 30 Basketball 4,608 Ruptured Achilles Tendon Temporary Total Disablement 2,440 Loss of Earnings 1690 Travel Expenses 150 Cost of Medical Certificate 28 Hospital Confinement 300 Claims examples provided by Ace European Group Limited

4 Essential Endorsed by Accidental Death Permanent Disabling Injuries Temporary Total Disablement Loss of Earnings Hospital Confinement Travel Expenses Dental Expenses Supplementary Travel & Accommodation Expenses in UK Course Deferment Expenses Cost of Medical Certificate 30,000 Up to 50, per week (excluding first 7 days) Up to 65 per week 20 per day (max. 120 days) Up to 150 (min claim 25) Up to 1,000 ( 25 excess) Up to 1,000 Up to 3,000 Up to 40 Essential Cover Annual Premium The annual premium for ESSENTIAL Cover is 2.40 per person Inclusive of Insurance Premium Tax at 6%* Want to enhance your cover? Optional Top Up Benefits available Top Up Benefits Permanent Disabling Injuries Temporary Total Disablement 25, per week Annual Premium per person 11p 25p *Correct at 06/14

5 Elite Endorsed by Accidental Death Permanent Disabling Injuries Temporary Total Disablement Loss of Earnings Hospital Confinement Travel Expenses Dental Expenses Supplementary Travel & Accommodation Expenses in UK Course Deferment Expenses Coma Broken Bones Primary Dislocation Physiotherapy following Broken Bones or Primary Dislocation Cost of Medical Certificate 30,000 Up to 100, per week (excluding first 7 days) Up to 75 per week 40 per day (max. 120 days) Up to 500 (min claim 25) Up to 1,500 ( 25 excess) Up to 1,000 Up to 3, per week Up to 1, Up to 40 per session (subject to a maximum of 10 sessions) Up to 40 Elite Cover Annual Premium The annual premium for ELITE Cover is 3.50 per person Inclusive of Insurance Premium Tax at 6%* Want to enhance your cover? Optional Top Up Benefits available Top Up Benefits Permanent Disabling Injuries Temporary Total Disablement Physiotherapy 25, per week 20 per session Annual Premium per person 11p 25p 10p *Correct at 06/14

6 Basic The Basic cover is available for non-sporting activities Accidental Death Permanent Disabling Injuries Temporary Total Disablement Hospital Confinement Travel Expenses Dental Expenses Supplementary Travel & Accommodation Expenses in UK 10,000 Up to 50, per week (excluding first 7 days) 10 per day (max 120 days) Up to 100 (min claim 25) Up to 200 ( 25 excess) Up to 1,000 Basic Cover Annual Premium The annual premium for BASIC Cover is 1.00 per person Inclusive of Insurance Premium Tax at 6%* Want to enhance your cover? Optional Top Up Benefits available Top Up Benefits Permanent Disabling Injuries Temporary Total Disablement 25, per week Annual Premium per person 11p 25p *Correct at 06/14

7 Details of the Personal Accident Insurance Plan Accidental Death A cash benefit designed to pay funeral costs and other expenses that may arise at a distressing time. Permanent Disabling Injuries The scale of benefits depends on the extent of the injury. For instance, loss of sight in both eyes is covered for the full amount specified in the schedule, while 25% of this amount is paid for the loss of a thumb. For the most severe injuries, a substantial cash sum can help the Insured Person to adjust to a new way of life. Temporary Total Disablement A benefit for up to 52 weeks (after an initial deferment period) if the student is unable to attend university or college courses. Loss of Earnings Payment for up to 26 weeks, after an initial deferment period of 7 days, to help compensate for loss of a regular income. Hospital Confinement A payment up to 40 per day for each 24 hours spent as an in-patient, up to a maximum of 120 days. Travel Expenses Designed to cover all or part of the cost of travelling to and from hospital for out-patient treatment. Once 25 in travel expenses has been incurred, the full benefit limit will apply. Dental Expenses Payment up to the sum stated for dental treatment. A 25 excess applies. Supplementary Travel & Accommodation Expenses in UK If a student is injured in the United Kingdom, more than 50 miles away from their place of study and requires hospital treatment as an inpatient, the costs of private ambulance transportation to a local hospital, if this is medically necessary, are covered. Also, once released from hospital after inpatient treatment, reasonable transport costs up to 100, are covered for the student s journey home. Course Deferment Expenses Three payment levels are provided, in case a student s injury makes them unable to attend their course which results in their academic examinations being deferred for a year. 50 to help pay for the exam fee. An additional amount up to 250 to help cover the costs of travel and accommodation while re-sitting exams. Up to 3,000 if a student has to make up a whole academic year, due to missing more than 12 consecutive weeks of study. Coma A benefit payable of 140 per week if, following an accident, the Insured Person enters an unarousable unconscious state. Broken Bones Cover provides a benefit payable up to 1000 for any one claim. Primary Dislocation A benefit payable of 250 following a Primary Dislocation to the Hip, Shoulder or Kneecap. Physiotherapy Following a valid claim for either Broken Bones or a Primary Dislocation, a benefit is payable for up to 40 per physiotherapy session, up to a maximum of 10 sessions, to aid rehabilitation. Cost of Medical Certificate A benefit designed to reimburse the cost for the issuing of a Medical Certificate by a Qualified Medical Practitioner up to 40. Cover and benefits vary depending on the level of cover selected. Please refer to Endsleigh s Education Team for full details.

8 Get in touch If you would like to speak to us to discuss your insurance requirements, or you have a query, please contact us. We are open from: 9am 5pm Monday to Friday Telephone: Website: endsleigh.co.uk Visit endsleigh.co.uk or call the Education Team on Endsleigh Business Insurance Services is a trading name of Endsleigh Insurances (Brokers) Limited which is authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register by visiting their website at Endsleigh Insurances (Brokers) Limited. Company No: registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE. Underwritten by ACE European Group Limited Head Office: ACE Building, 100 Leadenhall Street, London, EC3A 3BP Registered in England No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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