Corporate Personal Accident and Illness Insurance

Transcription

1 Corporate Personal Accident Policy Summary This policy summary outlines the main features and significant exclusions and does not contain the full terms and conditions of the insurance contract. The full terms and conditions are provided in the Policy Wording. Please ensure you read the Policy Wording, together with the Schedule of Benefits. The Policy Wording is available from your insurance broker or from Alpha Underwriting Limited on request. A significant exclusion is something that may affect your decision as to whether the policy is suitable for you. There is also additional information included that may be of help to you.

2 Corporate Personal Accident Document Version 3.0 Page 2 of 5 Corporate Personal Accident The Insurer This is underwritten 100% at Lloyd s, by Mitsui Sumitomo Underwriting at Lloyd s Limited, Syndicate 3210 (MSIUL). MSIUL is the Managing Agency for Syndicate Mitsui Sumitomo Underwriting at Lloyd s Ltd Registered in England at 2nd Floor, 25 Fenchurch Avenue, London, EC3M 5AD - No * Mitsui Sumitomo (London Management) Ltd registered in England No * Mitsui Sumitomo (London) Ltd Registered in England No * MSI Management (Ireland) Ltd (MSIIMIL) Registered in Ireland No ** MSI Corporate Capital Ltd Registered in England No *Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. **Regulated by the Central Bank of Ireland Significant Features and Benefits The levels of cover, sums insured and excesses which apply are set out in the Certificate of Schedule of Benefits. The table below sets out the significant benefits and exclusions of your Policy. The policy includes many other benefits, conditions and exclusions. Please read your Policy Wording to make sure that the cover is suitable for you. Section 1 Personal Accident: Extensions of Cover This section provides compensation for accidental Medical expenses injury that results in: Hospital in-patient expenses Death Coma benefit Loss of sight Funeral expenses Loss of limbs Dependant child benefit Loss of speech Dependant adult benefit Loss of hearing Personal effects Permanent partial disablement Retraining expenses Permanent total disablement Home modification expenses Temporary partial disablement Partner training expenses Temporary total disablement Recruitment expenses Paraplegia Domestic, childcare and chauffeur expenses Triplegia Return home expenses Quadriplegia Dental expenses Hospital transport costs

3 Corporate Personal Accident Document Version 3.0 Page 3 of 5 Corporate Personal Accident Section 2 Illness: This section provides compensation for illness that results in: Loss of sight Permanent partial disablement by paralysis Temporary total disablement

4 Corporate Personal Accident Document Version 3.0 Page 4 of 5 Significant Exclusions and Limitations The full list of exclusions and limitations are included in the Policy Wording. The following are significant exclusions or limitations: Section 1 Personal Accident: Period of The period beginning with the effective date and ending with the expiry date as shown in the policy schedule and any other period for which we have accepted your premium. Operative Time Personal Accident The operative time as defined in your Certificate of and within the period of insurance. General Exclusions Illness Suicide Death, disablement, loss or expense from the Section 2 Illness: Insured Persons participation in: Sickness for which medical advice or treatment a) Riding or driving in any kind of race was given during the 12 month period prior to b) In any form of operational duties as a the effective date of the policy (unless member of the armed forces specifically agreed in writing by us) c) Aviation except when travelling by air as a Psychiatric, mental or nervous disorders passenger including anxiety and/or depression Aids or HIV Drugs and alcohol What Law is Applicable? In the absence of any agreement to the contrary this Policy will be governed by and construed in accordance with the laws of England and Wales. Any dispute relating to this Policy will be subject to the jurisdiction of the courts of England and Wales. Cancellation We may cancel this Policy by giving 30 days notice in writing t o You at Your last known address. If We give You such notice then You shall become entitled to a proportionate return of the premium. You may cancel this Policy by giving Us 30 days notice in writing. If You give such notice, and providing no claim has been paid or is payable and no incident has occurred which could give rise to a claim under this Policy, the premium for the period up to the date when the cancellation takes effect will be calculated and any unearned portion of the premium paid will be returned, subject to a minimum retention by Us of 250 or 25% of the annual premium whichever is the greater. If the annual premium is less than 250, then the minimum retention by Us will be 25% of the annual premium. Professional sports Mountaineering and rock climbing Claims In the event of a claim under any section of this, then notice must be given as soon as possible. Your notice must be supplied to: Intana Claims and Assistance Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN Telephone: + 44 (0) alphaclaims@intana-assist.com

5 Corporate Personal Accident Document Version 3.0 Page 5 of 5 What to do if you have a complaint If you have not been satisfied with any part of the service you have received, or have an enquiry, then you should follow the steps below: Complaint against the sale of this Please contact your Broker to record your complaint. General Matters The Managing Director Alpha Underwriting Ltd 13 Harforde Court Hertford Hertfordshire SG13 7NW Your Claim(s) Intana Claims and Assistance Sussex House Perrymount Road Haywards Heath West Sussex RH16 1DN Tel: +44 (0) alphaclaims@intana-assist.com If you remain dissatisfied and you are unable to resolve the situation and you wish to make a complaint, it may be possible in certain circumstances for you to refer this matter to the Policyholder & Market Assistance at Lloyds. Policyholder & Market Assistance at Lloyds Policyholder & Market Assistance Lloyd s Market Services One Lime Street London EC3M 7HA Complaints that cannot be resolved by the Policyholder & Market Assistance team, it may be possible for You to refer it to the Financial Ombudsman Service (FOS). Further details will be provided at the appropriate stage of the complaints process. Following the complaints procedure with the FOS does not affect Your rights to take legal action. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme. You and/or an Insured Person may be entitled to compensation from the Scheme if We are unable to meet Our obligations to You and/or an Insured Person under this contract. If You and/or an Insured Person are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further information can be obtained from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 Botolph Street, London, EC3A 7QU) by phone on or and on their website at