Around 2.7 million hospital admissions each year are caused by accidents at home. What if you could be awarded cash every time you’re hurt? – Susie Colley, WCHC
What you get
- Cash sums in event of accidental injuries
- Payment per night for hospital stays as a result of injury
- Funeral benefit and lump sum payout in the event of an accidental death
- Accident Cover provides payments to help you manage in event of accidents
- Option to include unlimited numbers of children for one fixed price
- Option to cover UK Healthcare Workers for occupational hazards
- Medical history is disregarded, cover starts instantly
If you’re injured in an accident, this policy awards you cash – each and every time it happens.
Whether you’re self-employed and can’t afford to be off work, or have children and can’t afford childcare if they’re injured, Accident Cover pays out money to help you along the road to recovery.
What’s more, the policy operates regardless of your medical history, is effective from the moment you take it out, and you can claim as many times as you like.
With policies starting at just £7 a month, and extended cover for any number of children from £1 a month, Accident Cover can pay out up to £2500 for a broken bone, between £50-£250 per night for hospital stays, or up to £250,000 for total permanent disability.
Some of the sums are life changing amounts, making Accident Cover a cheaper but useful alternative to Income Protection or Life Insurance for those who can’t afford a full set of policies.
Take a look at the options here or call us for advice on:
No, this plan has nothing to do with private healthcare. For private treatment, a Private Medical Plan
Accident Cover simply pays out a lump sum a short while after claiming for any accidental injury. You will still be treated by the NHS but may receive money for hospital stays alongside the lump sum for the accident.
Protection can be offered on a sliding scale from 1 to 5 units. The more units, the higher the level of benefit you will receive. For core cover, policies start at £7 a month for 1 unit, up to £35 a month for 5 units of cover. You can add children (as many as you have) for a flat fee of between £1 and £5 a month. That means whether you have one child or five, you still only pay once, yet you can claim on behalf of them all.
Additionally, if you are a UK Healthcare Worker, you can add work-based cover for between £1-5 per month. This protects you from occupational exposure to HIV, septicaemia caused by MRSA, Hep C, TB, Hep B and Clostridium Difficile.
Accidental death is covered in all plans and pays out between £50,000 and £250,000 upon the death of anyone under the plan. This represents a rudimentary form of life insurance which would benefit the relatives of the deceased.
Additionally, if death occurs within the first year of the policy, premiums are refunded, and if after the first year, a benefit is paid of between £1000 and £5000 to help with funeral costs.
Hospital stays are covered by the plan – as long as you are staying as a result of an injury.
Illnesses are not covered by the plan. There is one exception here – if you have extended your plan to cover children, they receive a cancer benefit.
You must be between 18 and 60 to take out the Accident Cover policy. Cover will end on your 70th birthday or if you receive total permanent disability benefit, or accidental death benefit.
Children covered under Child Cover must be aged between 6 months and 18 years but this can extend to 23 years old if unmarried and still in full time education. You must be a UK resident. Crucially, Accident Cover has no underwriting so you are able to take out the policy regardless of your medical history.
Need to protect your mortgage and provide for your family if someone dies?
Want to protect your income in case an illness forces you to stop work?
Critical Illness Cover
Want to receive a lump sum to help with costs if diagnosed with a critical illness?