Benefits of personal accident insurance
The table below shows the benefits of Personal Accident Insurance for each cover level.
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| Bodily injury resulting in the following: | Amount we will pay |
|---|---|
| Section A – Premier and Premier Plus | |
| Permanent total loss of sight in both eyes. Loss of, or loss of use of, two or more limbs. Permanent total loss of sight in one eye and loss of, or permanent loss of use of, one limb. | £50,000 |
| Permanent total loss of sight in one eye or loss of, or permanent loss of use of, one limb. | £25,000 |
| Permanent total loss of speech, or the permanent total loss of hearing in both ears. | £50,000 |
| Permanent total loss of hearing in one ear. | £10,000 |
| Permanent total loss of use of a shoulder, elbow, hip, knee, ankle or wrist. | £7,500 |
| Permanent total loss of, or permanent loss of use of: | |
| - one thumb | £7,500 |
| - one forefinger | £5,000 |
| - any other finger or one big toe | £3,000 |
| - any other toe. | £500 |
| Section B – Premier and Premier Plus | |
| Fracture of the hip, upper leg, heel or pelvis (not including the coccyx): | |
| - Complicated fracture* | £1,500 |
| - Simple fracture** | £750 |
| Fracture of the lower leg, skull, collar bone, ankle, arm (including the wrist or elbow): | |
| - Complicated fracture* | £1,000 |
| - Simple fracture** | £500 |
| Fracture of the hand (not including the fingers), foot (not including the toes or heel), shoulder blade, kneecap or sternum. | |
| - Complicated fracture* | £800 |
| - Simple fracture** | £400 |
| Any other fracture: | |
| - Complicated fracture* | £500 |
| - Simple fracture** | £250 |
| Dislocation of the spine or a hip | £1,000 |
| Any other dislocation which needs general anaesthetic or traction. | £250 |
| Second-degree burns (affecting more than 10% of the body surface) | £200 |
| Third degree burns (affecting more than 15% of the body surface or more than 50% of the surface of either hand). | £300 |
| Internal injuries for which you have to have surgery. | £200 |
| Section C – Premier Plus Only | |
| Death. | £25,000 |
| Confinement to a hospital as an in-patient, up to 100 days. | £25 per day |
* A Complicated fracture is defined as a fracture requiring either surgical treatment, traction or reduction under a local or general anaesthetic, or admission to hospital as an in-patient.
**A Simple fracture is any fracture other than a Complicated fracture, as defined above.