Personal accident, injury & illness insurance

Personal accident or personal accident and illness insurance cover

Health2Insure offers a competitively priced personal accident or personal accident and illness insurance to suit your needs. 

Cover options available

The policy is very flexible, select from accidental death benefit only or accident with capital benefits, with a further option of adding weekly payments for accidentally injury or accidental injury & illness. See the Summary of benefits below.

Who is this insurance suitable for ?

Our personal accident or personal accident and illness policy is a versatile insurance product that has been taken up by customers from a wide range of trades and professions, here are just a few; Employees of a solicitors in London, Charity parachute jumps, Offshore oil workers, Mine clearance operatives, Professional racing drivers, A world land speed record attempt, Film and TV celebrities & Close protection officers in Syria.

Summary of Benefits

Compensation payable in respect of Accident

  • Death
  • Loss of Sight of One or Both Eyes
  • Loss of One or More Limbs
  • Permanent Total Loss of Speech
  • Permanent Total Loss of Hearing in a) One Ear or b) Both Ears
  • Permanent Total Disablement (other than loss of Sight, Limb, Speech or Hearing)
  • Temporary Total Disablement*
  • Temporary Partial Disablement*

Compensation payable in respect of Illness

  • Loss of Sight of One or Both Eyes
  • Permanent Total Disablement by Paralysis
  • Temporary Total Disablement*

* If you make a claim under these Sections, there may be a period at the beginning of your period of disablement for which no benefit shall be payable. This is known as excess and will be shown in the Schedule.

Medical expenses - extension to cover

In the event of a valid claim under Temporary Total Disablement, Temporary Partial Disablement & Temporary Total Disablement the Underwriters will pay Medical Expenses incurred up to 15% of the claim admitted subject to a maximum limit of GBP 15,000.

The Underwriters will only pay expenses incurred within 2 years of the date of the Accident or Illness.

If the Assured or Insured Person are able to recover Medical Expenses under any other insurance, the Underwriters’ liability shall be limited to the difference between such recovery and the total cost of Medical Expenses incurred (see Subrogation in the Conditions).

If the Insured Person’s Country of Domicile is outside England, Scotland, Wales and Northern Ireland, this Extension may not apply (see Exclusion 13).

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