Personal Accident Plan. Fracture benefits and cash lump sums from accidental injury. Changing the image of insurance.
|
|
- Candace Shepherd
- 8 years ago
- Views:
Transcription
1 Personal Accident Plan Fracture benefits and cash lump sums from accidental injury UK Changing the image of insurance.
2 Cash benefits for fractures & injuries... We all believe it will never happen to me but I m sure you are aware of someone who has suffered a serious accident either at work, in a car or at home. A serious injury could lead to time off work and hit you hard in the pocket
3 The APRIL UK Personal Accident Plan Just ask yourself...what would happen if you suffered a serious injury? It s likely you ll need to take some time off work to recover, which could hit your earnings. Then there may be other financial costs - perhaps you ll need to make changes around the house or other expensive lifestyle changes. Let s not forget the inconvenience and disruption to your life and those around you either. This is why the APRIL UK Personal Accident Plan could prove invaluable. It pays out a lump sum benefit if you suffer a specified injury. With up to 200,000 of benefits on the Premier Plus Plan, it means if you suffer an accident you can concentrate on getting better without having to worry about money. What are the key benefits? Fracture benefits and cash lump sums from serious injuries Premier Plan: 21 fracture benefits + 2 additional cash benefits Premier Plus Plan: all the benefits from the Premier Plan + a further 18 accidental injury benefits Maximum benefits: - 200,000 under the Premier Plus Plan - 60,000 under the Premier Plan Flexible cover - choose to protect yourself, your partner and your children Covers injuries from winter sports, rugby, football and cricket No excluded occupations - although please refer to the Policy Document for full information about policy exclusions Important statistics Every year there are around 5,000 deaths as the result of a home accident, with a further 2.7 million people requiring hospital treatment Over 400,000 people attend A&E every week 1 You can get cover from 19p a day* Around 3900 people are injured or killed in road accidents every week An estimated 591,000 workers have an accident at work each year Source: Department for Transport, Health & Safelty Executive 2011, RoSPA 2012, 1NHS 2013 (actual attendance). * based on single bronze cover with a monthly premium of See page 5 for all premiums 2
4 Your benefits & options explained... Option 1: Premier Plan Includes 21 fracture benefits + 2 additional cash benefits Gold Silver Bronze Nose Clavicle Breast bone Ribs Upper arm Pelvis 3,000 2,250 1,500 Hand Coccyx Upper Leg 3,000 2,250 1,500 Lower leg (fibula) Foot Skull 3,000 2,250 1,500 Lower Jaw Shoulder Blade Vertebral (body) 3,000 2,250 1,500 Vertebra Lower Arm Wrist Knee cap Lower leg (tibia) Ankle Fracture benefits for children Any children covered under the plan will be entitled to 50% of all benefits illustrated above. Fracture cover does not start until day 16 of your policy Additional cash benefits Anterior cruciate ligament injury Burns & permanent scarring 10,000 7,500 5,000 3
5 Option 2: Premier PLUS Plan Includes all the benefits from the Premier Plan - plus a further 18 serious accident benefits below BRONZE SILVER GOLD Adult Child Adult Child Adult Child Permanent Total Disability as a result of travelling as a fare paying passenger Permanent Total Disability as a result of any other accident 100,000 10, ,000 15, ,000 20,000 50,000 5,000 75,000 7, ,000 10,000 Loss of sight in both eyes 50,000 5,000 75,000 7, ,000 10,000 Loss of use of two limbs 50,000 5,000 75,000 7, ,000 10,000 Quadraplegia 50,000 5,000 75,000 7, ,000 10,000 Paraplegia 50,000 5,000 75,000 7, ,000 10,000 Permanent Brain Damage 50,000 5,000 75,000 7, ,000 10,000 Loss of sight in one eye 25,000 2,500 37,500 3,750 50,000 5,000 Loss of use of one limb 25,000 2,500 37,500 3,750 50,000 5,000 Loss of speech 25,000 2,500 37,500 3,750 50,000 5,000 Loss of hearing in both ears 25,000 2,500 37,500 3,750 50,000 5,000 Loss of hearing in one ear 5, , ,000 1,000 Loss of use of: - a shoulder or elbow - a wrist, thumb, hip, knee or ankle - any finger or big toe - any other toe 10,000 7,500 2,500 1,250 1, ,000 11,250 3,750 1,875 1,500 1, ,000 15,000 5,000 2,500 2,000 1, Daily hospitalisation benefit* Lump sum hospitalisation benefit following 14 days continuous hospitalisation , Accidental Death 25,000 2,500 37,500 3,750 50,000 5,000 * Excluding the first 24 hours and up to a maximum of 45 days in hospital. 4
6 Some frequently asked questions... What isn't covered? In common with other similar protection plans, the Personal Accident Plan does not cover accidents which are caused by the following: War and terrorism Riding a motorcycle, moped or scooter Rock climbing, mountaineering, Flying except as a fare paying passenger Competing in any race other than on foot or whilst swimming Illegal acts, use of explosives, suicide or self inflicted injury Being under the influence of alcohol or drugs HIV, AIDS, any sickness, disease or injury What are my payment options? You can choose to cover your partner and children against accidents and fractures for just a small additional premium. Individual Individual & Children Individual & Partner Family Individual Individual & Children Individual & Partner Family PREMIER PLAN - VALUE FOR MONEY COVER BRONZE SILVER GOLD PREMIER PLUS PLAN - COMPLETE COVER All premiums include Insurance Premium Tax at 6%. Children must be under the age of 18 or 23 years if in full time education. BRONZE SILVER GOLD Please read the Policy Document for a full list of exclusions. What do we mean by a fracture? Can I apply for this plan? You must be over 18 and under 65 years of age. You also need to be a resident in the United Kingdom, Isle of Man or Channel Islands. How do I make a claim? Simply call to request a claim form and start your claim. Fracture means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor. 5
7 Additional Lifestyle Benefits Discounts on everyday shopping and dining As an APRIL UK policy holder you will receive Best Doctors, an expert medical consultation and secondary opinion service. Best Doctors provides access to the world s best medical experts who can review your diagnosis and get you the right answers about your condition and treatment. Best Doctors has a database of over 50,000 world-leading specialists - rated by their peers as the best in their field of expertise - who can conduct an in-depth review of a medical condition. Best Doctors can ensure the diagnosis is accurate and identify the most appropriate treatment options available. They provide support and information to help people make the right medical choices. We ve teamed up with a leading discount specialist to provide you with discounts at over 20,000 sites and locations - both on the highstreet and online. Through the APRIL UK Discount Portal you will be able to access discounts on the following: Groceries, Clothes, Dining, Electronics, Gym membership, DIY and Travel. Providing that you do not opt out of this service, a company called Logbuy who provide this service, will you with further details once your APRIL UK plan has been set up. The APRIL UK Discount Portal is provided independently by LogBuy Ltd. Brands illustrated correct at February Just some of the big brands included. The Best Doctors service is provided independently by Best Doctors UK Ltd. 6
8 APRIL - changing the image of insurance APRIL UK is part of APRIL, a global insurance provider. They were formed in 1988 and set out to change the image of insurance by putting the customer at the heart of the organisation. Today, APRIL has a market value in excess of 538 million and operate in 37 countries, looking after some 6 million policyholders worldwide. They have consolidated revenues exceeding 657 million and paid out claims totalling 157 million in 2012*. The APRIL UK Personal Accident Plan is underwritten by Sterling Insurance Company Limited, who have an excellent reputation in the industry for serving major financial institutions and having strong service standards. *All figures correct at Cancellation rights You have the right to cancel your policy for a period of 30 days from the start date or the date you receive your policy if this is later. If you cancel in this period you will receive a full refund of any premium paid. Please note that, if you have made a claim and subsequently wish to cancel your policy, we may seek to recover any monies paid to you in settlement of the claim. Extra Protection - The Financial Services Compensation Scheme In the unlikely instance that Sterling Insurance Company Limited is unable to meet its obligations under the Personal Accident Plan, you will be protected by the Financial Services Compensation Scheme (FSCS). More details about the FSCS can be found on their website: This Brochure is intended to provide a summary of the benefits only. Please read the Policy Document for full terms and conditions. This plan is underwritten by Sterling Insurance Company Limited. Contact your advisor on: APRIL UK Registered Office: April House, Almondsbury Business Centre, Bradley Stoke, Bristol BS32 4QH - Tel: Fax: Sterling Insurance Company Limited Registered Office: 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX. APRIL UK is a trading name of APRIL UK (Insurance Services) Ltd (registered in England No ), who is authorised and regulated by the Financial Conduct Authority, registered number Sterling Insurance Company Limited (registered in England No ) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. APRIL UK All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior written permission of APRIL UK. UK Changing the image of insurance.
Personal Accident Plan. Fracture benefits and cash lump sums from accidental injury. Ireland. Changing the image of insurance.
Personal Accident Plan Fracture benefits and cash lump sums from accidental injury Ireland Changing the image of insurance. Cash benefits for fractures & injuries... We all believe it will never happen
More informationpersonal accident plan
personal accident plan...policy document premier plan UK Changing the image of insurance. This plan is underwritten by Sterling Insurance Company Limited Premier Personal Accident Plan Thank you for choosing
More informationAccident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Changing the image of insurance.
Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work UK Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you fell
More informationYOUR PERSONAL ACCIDENT POLICY
EVERYTHING YOU NEED TO KNOW ABOUT YOUR PERSONAL ACCIDENT POLICY Important Documents Please keep this document and enclosed schedule in a safe place. You may need to refer to it at a later date. Welcome
More informationSantander Personal Accident Insurance Policy Document
Santander Personal Accident Insurance Policy Document Contents The cover 03 Important phone number 03 Changing your mind 03 Eligibility 04 Definitions 04 What is covered 06 Standard benefits Maximum benefits
More informationTotally Sports Insurance Personal Injury Plan
Totally Sports Insurance Personal Injury Plan Important Documents Please keep this document and enclosed schedule in a safe place. You may need to refer to it at a later date. Welcome Thank you for choosing
More informationTotal, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs
LLOYDS TSB Personal Accident Cover Policy Document These terms and conditions are provided to give you a guide on the cover that is being offered. Please note that your personalised policy document will
More informationRandstad Group Personal Accident Insurance Policy
Randstad Group Personal Accident Insurance Policy What you need to know Welcome to Randstad s Group Personal Accident Insurance Policy The Randstad s Group Personal Accident Insurance Policy is an insurance
More informationJack of Clubs Personal Injury Plan Important Documents
Jack of Clubs Personal Injury Plan Important Documents Please keep this document and enclosed schedule in a safe place. You may need to refer to it at a later date. Welcome Thank you for choosing our Personal
More informationAccidents do happen but luckily, he is an SDA Member! Y O U R V O I C E A T W O R K
Accidents do happen but luckily, he is an SDA Member! Y O U R V O I C E A T W O R K The SDA provides a FREE Accident Insurance Policy for all financial members - NO Medical required, NO forms to complete
More informationAccident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Ireland. Changing the image of insurance.
Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work Ireland Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This policy meets the demands and needs of those who wish to ensure that in the event of a motoring Accident an Insured Person will
More informationProtect your students quality of life
Gold Gold Plus Platinum Protect your students quality of life A quality education is an investment in a child s future, providing students with the skills, knowledge and experience to make the most of
More informationPrivate Medical Insurance. Flexible medical benefits designed for today's world. Changing the image of insurance.
Private Medical Insurance Flexible medical benefits designed for today's world UK Changing the image of insurance. Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you
More informationgood to know you Group Personal Accident Insurance Policy for Randstad Workers Key fact document
good to know you Group Personal Accident Insurance Policy for Randstad Workers Key fact document Welcome to the Group Personal Accident Insurance Policy for Randstad Workers. This Group Personal Accident
More informationInjury insurance designed for AMWU members
INJURY INSURANCE Injury insurance designed for AMWU members up to $75,000 death benefit (plus at-work cover) up to $35,000 serious trauma benefit up to $8,000 broken bones benefit higher dental injury
More informationPolicy Booklet. Inside you ll find full details of your Driver Injury Cover. Driver Injury Cover
Policy Booklet Inside you ll find full details of your Driver Injury Cover Driver Injury Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words 7 Contract of
More informationKEY FACTS KEY FACTS. Page 1. Version 3.2015k
KEY FACTS Page 1 TABLE OF CONTENTS ABOUT THIS DOCUMENT... 2 TYPE OF INSURANCE AND COVER... 3 1 PERSONAL ACCIDENT... 3 2 PERSONAL LIABILITY...4 3 LEGAL EXPENSES...4 4 OPTIONAL INSURANCE COVER FOR BIKES...5
More informationPersonal Injury Cover Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This policy meets the demands and needs of those who wish to ensure that in the event of a motoring accident an insured person will
More informationCertificate of Currency Our Ref: 076719. Surf Life Saving Western Australia, including clubs, branches and/or affiliated entities.
24 October 2014 Jardine Lloyd Thompson Pty Ltd ABN 69 009 098 864 27 Evelyn Street NEWSTEAD QLD 4006 PO Box 2321 Fortitude Valley BC QLD 4006 Tel +61 7 3246 7555 Fax +61 7 3246 7590 www.jlta.com.au Certificate
More informationStudent Accident Insurance Platinum Protect TABLE OF EVENTS
Student Accident Insurance Platinum Protect TABLE OF EVENTS Injury as defined, resulting in; Section 1 Permanent Disabilities (In each case the Injury suffered must be Permanent). Compensation Payable
More informationgood to know you Randstad Group Personal Accident Insurance
good to know you Randstad Group Personal Accident Insurance Welcome to Randstad s Group Personal Accident Insurance Randstad s Group Personal Accident Insurance is an insurance policy which provides you
More informationsolutions Accidents happen an unintentional-injury death occurs every 4 minutes and a disabling injury every 1 second. 1
GROUP solutions Accidents happen an unintentional-injury death occurs every 4 minutes and a disabling injury every 1 second. 1 1 Injury Facts 2010 Edition, National Safety Council. THIS IS NOT A POLICY
More informationFor the Employees of Bloomington Independent School District #271. Accident Insurance. A limited benefit policy
For the Employees of Bloomington Independent School District #271 + Accident Insurance A limited benefit policy Accidents are unexpected as are the financial consequences. Consider the following: In the
More informationFor the Employees of Santa Barbara County Superior Courts. Accident Insurance. A limited benefit policy 164762 (05/17/2013)
For the Employees of Santa Barbara County Superior Courts + Accident Insurance A limited benefit policy 164762 (05/17/2013) Accidents are unexpected as are the financial consequences. Consider the following:
More informationThe benefit also includes $10,000 of AD&D coverage. See certificate for breakdown of benefits.
ACCIDENT MEDICAL BENEFIT Underwritten and insured by: If you are injured in a covered accident and receive treatment from a physician, you are eligible for benefits during the benefit period of 52 weeks;
More informationSuncorp Accidental Injury Plan. Product Disclosure Statement
Suncorp Accidental Injury Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important information This is the Product Disclosure Statement (PDS) for Suncorp
More informationPERSONAL ACCIDENT INSURANCE POLICY. Sections 5 to 9 Page 1 of 15 Ref: CAHP2
PERSONAL ACCIDENT INSURANCE POLICY Sections 5 to 9 Page 1 of 15 Ref: CAHP2 SECTION 1 - INSURING AGREEMENT Policy Number 64796052 Group Policyholder Plutus Health Address 13 Cardiff Road, Newport, South
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationFor the Employees of Saint Louis University. Accident Insurance A limited benefit policy
For the Employees of Saint Louis University Accident Insurance A limited benefit policy Consider the following: In the United States, there were nearly 30 million unintentional non-fatal injuries in 2012
More informationPensioners Personal Accident Insurance Plan
Pensioners Personal Accident Insurance Plan Policy Wording What s inside... Introduction 3 Your Cover 9-10 Claims Procedure 11 Our Customer Care Policy 13 To make a claim, call 0344 748 0103 Please add
More informationEMS insurance. Details of insurance cover for our student members
EMS insurance Details of insurance cover for our student members Free student insurance As a student member of the British Veterinary Association (BVA) you benefit from our free student insurance. Student
More informationPersonal Accident Insurance. Arranged by Golfguard Ltd
Personal Accident Insurance Arranged by Golfguard Ltd 1 This is your Personal Accident Insurance policy document. If you have any questions about these documents, please contact your insurance adviser
More informationSun Life Financial Accident Insurance Plan. Frequently Asked Questions
Accident Insurance Plan FAQ Sun Life Financial Accident Insurance Plan Frequently Asked Questions 1. Can I make more than one claim per accident? A: Yes. For example, an individual who has torn knee cartilage
More informationStandard Life and Accident Insurance Company
Standard Life and Accident Insurance Company SLAFCB Introducing Accident Plan Highlights At Standard Life and Accident Insurance Company, we know that life happens and things can go wrong. Accidents can
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationSuncorp Accidental Injury Plan. Policy Document
Suncorp Accidental Injury Plan Policy Document Contents 1.0 Important Information 3 2.0 Cooling off period 4 3.0 When does cover start and stop? 4 4.0 Benefits under this policy 5 5.0 When we won t pay
More informationPersonal Accident Plan Terms and Conditions
Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy
More informationACCIDENTAL INJURY INSURANCE
ACCIDENTAL INJURY INSURANCE Product Disclosure Statement and Policy Document This product and combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited
More informationPersonal Accident and Illness Insurance
2014 Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser
More informationQBE PA EXTRA Cover TM
Accidents may impact your financial health. With QBE, YOU are protected. YOUR well-being is our business! for Individual for Business Accidents may impact your financial health. With QBE Personal Accident
More informationSaga Personal Accident Insurance Your Policy Booklet
Saga Personal Accident Insurance Your Policy Booklet Welcome to Saga Personal Accident Insurance. As with all our services, we have designed this policy with our customers needs in mind and I hope you
More informationNorth Cork Business Alliance. July 17th
North Cork Business Alliance July 17th April Ireland Odhran O Mahony BA QFA APA(Personal General Insurance) Broker Development Manager 2 Agenda April Ireland April Group Our Plans Key Benefits Corporate
More informationPrivate Vehicle Auto Extra Policy
Private Vehicle Auto Extra Policy (Vehicle includes vans, cars, motorhomes and campers, mobility scooters, electric wheelchairs and tricycles.) Insurer We are authorised and regulated by the Malta Financial
More informationPersonal Injury Compensation Guide. Winston Solicitors LLP
Personal Injury Compensation Guide Winston Solicitors LLP Compensation guide Here we provide a simple, plain speaking guide to no win no fee compensation claims for personal injuries in the UK. If you
More informationHussmann Corporation
Compass Accident Insurance A limited benefit policy Enrollment at a Glance Affordable insurance that can help you pay for the out-of-pocket costs you may experience after an accident. For the employees
More informationGROUP PERSONAL ACCIDENT
GROUP PERSONAL ACCIDENT AND SICKNESS INSURANCE POLICY IMPORTANT YOUR DUTY OF DISCLOSURE Before You enter into a contract of insurance with an insurer, You have a duty to disclose to the insurer every matter
More informationAccident Protection. Greater financial certainty for you and your family. Redrawn by Lobianco Studios - 8/98
Accident Protection Greater financial certainty for you and your family Redrawn by Lobianco Studios - 8/98 Accident Protection If you are asking yourself... How can I make sure my family are financially
More informationHow To Insure A Group Personal Accident
New and improved benefits * Insurance Solutions Football team Group personal accident insurance Summary of benefits and premiums *Valid from May 2010 Insurance Solutions Group personal accident Football
More informationDecember 31, 2011 to April 1, 2012
December 31, 2011 to April 1, 2012 1 1 December 31, 2011 to April 1, 2012 2 2 Canadian Cycling Association Insurance Program January 1, 2011 to January 1, 2012 Medical Payments: Non Members Exclusion Endorsement:
More informationProduct Summary SAF GROUP TERM LIFE POLICY (GROUP POLICY 2000002)
Product Summary SAF GROUP TERM LIFE POLICY (GROUP POLICY 2000002) The SAF Group Term Life policy is designed for SAF and MINDEF personnel as well as those who have committed to National Service. This policy
More informationchoices Private Medical Insurance designed for today's world Arranged by UK
choices Private Medical Insurance designed for today's world Arranged by UK Quick access to private hospitals... If you were diagnosed with an illness, wouldn't you want quick access to diagnostic tests
More informationsolutions Accidents happen an unintentional-injury death occurs every 4 minutes and a disabling injury every 1 second. 1 GROUP
GROUP solutions Accidents happen an unintentional-injury death occurs every 4 minutes and a disabling injury every 1 second. 1 1 Injury Facts 2010 Edition, National Safety Council. GVAP1 GROUP ACCIDENT
More informationMotorcycle * Auto Extra Policy
Motorcycle * Auto Extra Policy (* Motorcycle includes motorbikes, trikes (tricycle), quad bikes and road-legal buggies.) Warranties a You must normally live in the United Kingdom. b This insurance does
More informationSports Injury Insurance
Sports Injury Insurance Fills the gaps other insurance leaves behind SPORTS INJURY INSURANCE This policy summary does not contain the full terms and conditions of the contract. Full terms and conditions
More informationHEALTH LEGISLATION FROM PAYING ANY MEDICARE SERVICE INCLUDING THE MEDICARE GAP
ABN 76 000 005 210 AFSL No. 235415 GPO Box 180 Melbourne 3001 Telephone 1300 138 498 Facsimile 03 9934 3468 schoolcareclaims@ccinsurances.com.au www.ccinsurances.com.au SchoolCare Claim Form Important
More informationMotorcycle Auto Extra Policy
Motorcycle Auto Extra Policy (Motorcycle includes motorbikes, trikes (tricycle), quad-bikes, pedal cycles and road-legal buggies.) Insurer We are authorised and regulated by the Malta Financial Services
More information24/7 PERSONAL ACCIDENT COVERAGE CYCLING BC PROGRAM INFORMATION
24/7 PERSONAL ACCIDENT COVERAGE CYCLING BC PROGRAM INFORMATION!! 24 /7 PERSONAL ACCIDENT COVERAGE Page! 2 24 /7 Personal Accident Insurance (Worldwide Coverage) 24/7 Personal Accident Insurance coverage
More informationPersonal Accident Insurance Especially designed for those aged 55 and over
Personal Accident Insurance Especially designed for those aged 55 and over Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Personal Accident Insurance
More informationLincoln Voluntary Accident Plan Highlights
Lincoln Voluntary Accident Plan Highlights With Voluntary Accident Benefits from Lincoln Financial Group, employees are empowered to protect their income from unexpected expenses related to an accident.
More informationCorporate Personal Accident and Illness Insurance
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
More informationTable of Benefits - A Guide to Understanding Insurance
Over 50s Personal Accident Policy Contents Section 1 Table of benefits...3 Section 2 Introduction...4 Section 3 Scope of insurance...4 Section 4 Definitions...4 Section 5 What is not covered...5 Section
More informationAccidents Happen. AccidentAdvance SM accident insurance. Wouldn t you like extra protection for your family?
Accidents Happen. Wouldn t you like extra protection for your family? Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. AccidentAdvance SM accident insurance Now there s help if
More informationHow To Get A Job On An Ipt
Accident and Illness Benefits Program Building & Construction Industry Accident & Illness Benefits Program This brochure has been produced to assist workers in understanding the benefits that apply under
More informationAccident Coverage Details
Accident Coverage Details Choose Level 1 or Level 2 Benefits Accident Coverage provides 24-hour coverage or off-the-job coverage. Select the level of coverage that best meets your needs and budget. BENEFITS
More informationEmployee Accident Cover and Employee Life Cover
Employee Accident Cover and Employee Life Cover We ve got you covered Please keep this booklet safe To fully understand your cover please read this booklet, then keep it safe in case you or your family
More informationDetails of coverage for Personal Accident Insurance for Super Senior Time Deposit
Details of coverage for Personal Accident Insurance for Super Senior Time Deposit Insured : A person who opens Super Senior Time Deposit Account (30 months) with KBANK Age of Insured : People in general,
More informationChamber Plan. 0808 178 1179 admin@plutushealth.co.uk www.plutushealth.co.uk. Chamber
Chamber Plan 0808 178 1179 admin@plutushealth.co.uk www.plutushealth.co.uk Chamber Contents 03 04 05 06/07 08/09 10/11 About us Incentivising your employees How does a Plutus Health Chamber Plan work?
More informationPersonal Accident Policy Document
Personal Accident Policy Document www.greeninsurancecompany.co.uk Drivers Personal Accident Insurance Policy Summary This policy summary is to help you understand the insurance by setting out the significant
More informationHORSE RIDING CLUBS ASSOCIATION OF VICTORIA INC SUMMARY OF COVER PERSONAL ACCIDENT INSURANCE. Horse Riding Clubs Association of Victoria Inc.
HORSE RIDING CLUBS ASSOCIATION OF VICTORIA INC SUMMARY OF COVER PERSONAL ACCIDENT INSURANCE Name of Insured: Insured Persons: Policy Class: Period: Geographic Limit: IMPORTANT: Horse Riding Clubs Association
More informationDay 1 Income Protection
Day 1 Income Protection Day 1 Income Protection arranged by Omega Financial Management Product Guide & Key Facts About Omega Financial Management Omega Financial Management was founded in 2001 and specialises
More informationAll paid up members and voluntary workers of Bicycle QLD.
Bicycle QLD Summary of Member Insurances as at 31 st January 2014. Insured: Cover: Limits: All paid up members and voluntary workers of Bicycle QLD. The compensation provided shall be payable should an
More informationINDIVIDUAL ACCIDENT INSURANCE
PAYCHECK POWER SM SERIES INDIVIDUAL ACCIDENT INSURANCE It s not possible to forecast an accident. You simply can t predict if climbing the ladder to change a light bulb will send you to the emergency room
More informationUnderwritten by Washington National Insurance Company. ACCIDENTassure accidental injury insurance A3-BR-WA-DIR-PRE
Underwritten by Washington National Insurance Company ACCIDENTassure accidental injury insurance A3-BR-WA-DIR-PRE You can t prevent every accident but you can protect yourself and your family with ACCIDENTassure.
More informationAre you protected from life s accidents? There are things that you or your family do outside of work that may lead to an accidental injury.
Are you protected from life s accidents? There are things that you or your family do outside of work that may lead to an accidental injury. SPORTS TRAVEL SCHOOL VACATION Group Accident Insurance Helps
More informationINCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB
INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture
More informationHow To Get A Free Accident Insurance From Allstate Benefits
Are you protected from life s accidents? There are things that you or your family do outside of work that may lead to an accidental injury. SPORTS TRAVEL SCHOOL VACATION Benefit coverage for A Plus Benefits
More informationKEELE UNIVERSITY STAFF TRAVEL INSURANCE
KEELE UNIVERSITY STAFF TRAVEL INSURANCE Introduction There follows a summary of the insurance cover arranged by Keele University. The person travelling is the Insured Person. Keele is the Insured and Insurers
More informationProduct Summary. Cashback Accident Plan
Product Summary Customer Services Freephone: 0800 169 7733 Office hours: Monday to Friday, 9am to 6pm E-mail csd@uk.combined.com Website www.combinedinsurance.co.uk Headquarters European Headquarters The
More informationLife Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...
Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5
More informationProduct Summary. GROUP PERSONAL ACCIDENT INSURANCE Group Policy 2000019-03
Product Summary GROUP PERSONAL ACCIDENT INSURANCE Group Policy 2000019-03 Life often takes unexpected turns, and not always for the better. How well-prepared are you to deal with emergency events? Have
More informationIndividual Personal Accident Certificate SC3342014199
Individual Personal Accident Certificate SC3342014199 /12 Introduction The Insured must read this Certificate and ensure that it meets their requirements. Any change to the information in the Schedules
More informationLife and AD&D Insurance Effective February 1, 2015
Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date
More informationIndividual Personal Accident and/or Sickness Insurance Summary
Individual Personal Accident and/or Sickness Insurance Summary Salon Gold Individual Personal Accident and/or Sickness Insurance Policy Summary Policy Summary This is a summary of the cover provided by
More informationHow To Pay Out Of Pocket
HealthSure Personal Accident Cover and Accidental Death Cover Terms and Conditions 1 Conditions a) If compensation is payable in respect of one Insured Person under more than one form of Permanent Disability
More informationEmployee Accident Cover and Employee Life Cover
Employee Accident Cover and Employee Life Cover Be safe. Be sure. We ve got you covered. A technical guide what you need to know For people, not profit Page 2 Employee Accident Cover and Employee Life
More informationLevel, Renewable and Family Income Protection Key Features
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationCritical illness. Don't wait to discover what life. has in store. Plan now for your future. and for that of those you love. For you and your children
Peace of mind today and tomorrow Don't wait to discover what life has in store. Plan now for your future and for that of those you love For you and your children CRITICAL ILLNESS This coverage is invaluable
More informationPersonal Accident and Accidental Death Benefit Policy Wording
Personal Accident and Accidental Death Benefit Policy Wording This Policy has been arranged by Motorplus Limited (trading as ULR Additions) with Qdos Broker & Underwriting Services Limited and is underwritten
More informationYOUR GROUP LIFE INSURANCE PLAN
YOUR GROUP LIFE INSURANCE PLAN For Participants in the Full Retirement Plan of St. Norbert College 6CC000 B-11196 9-07 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
More informationAre you protected from life s accidents?
PROTECTION solutions Are you protected from life s accidents? There are things that you or your family do daily that may lead to an accidental injury and out-of-pocket expenses. SPORTS TRAVEL WORK More
More informationTrinity Forces Personal Accident Insurance
trinity Forces PERSONAL ACCIDENT insurance Trinity Forces Personal Accident Insurance From the specialist you can trust POLICY WORDING FEBRUARY 2015 www.trinity-ins.com 2 Welcome to Trinity Insurance Services
More informationLife and Accident Insurance
Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table
More informationGROUP PERSONAL ACCIDENT INSURANCE PROPOSAL
(65) 6338 7288 (65) 6338 2522 www.axa.com.sg GROUP PERSONAL ACCIDENT INSURANCE PROPOSAL Proposer : Singapore Management University (SMU) Intermediary : MYCG Pte Ltd Period of Insurance : 2 Academic Years
More informationPersonal Accident or Personal Accident and Sickness
Personal Accident or Personal Accident and Sickness Product Disclosure Statement and Certificate Wording Version Number 011005 SRS Underwriting Agency Pty Ltd AFSL 290518 ABN 89 113 929 516 Brisbane: Level
More informationPersonal Accident and Illness Insurance
Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser who
More informationPERSONAL ACCIDENT. YOUR PERSONAL ACCIDENT INSURANCE POLICY Everything you need to know.
PERSONAL ACCIDENT YOUR PERSONAL ACCIDENT INSURANCE POLICY Everything you need to know. GENERAL PROVISIONS 1. The Insured or the Policyholder is requested to read this Policy carefully and to advise the
More informationEMPLOYEE BENEFITS LIFE INSURANCE PLAN
EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient
More informationMETROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK
METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK Group Policy Form No: GPNP12-AX (Referred to as the Group Policy ) Certificate Form No: GCERT12-AX (Referred to as the Certificate ) GROUP ACCIDENT
More informationHow To Get A Police Mutual Car Insurance Policy
Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms
More information