Personal accident protection
Please check your specific membership plan to make sure that this benefit is included in your level of cover. These terms are not specific to Essentials and Tailored membership plans.
Please call the claims department on 01270 588555 or email claims@healthshield.co.uk for a separate personal accident claim form. Under the following conditions, we will only consider the amount of benefit we will pay under this section if a bodily injury results in death or permanent total disablement (permanent disability that prevents you from doing any job – which is not limited to your occupation at the time of the accident) within one year of the accident. We will pay the sum insured in line with the level of contribution you have paid. Protection will end on your 70th birthday. You must write to us within six months of an accident to let us know about it.
We will not pay more than your benefit maximum per person as a result of any one accident.
‘Bodily injury’ means an injury caused only by an accident and not by any sickness, disease or gradual cause. ‘Bodily injury’ does not cover post-traumatic stress disorder.
We will decide, based on medical advice, if we will pay benefit.
Personal accident protection does not cover death or permanent total disablement caused by the following.
- Radioactive contamination
- Taking part in professional sports or flying as a pilot or crew member (that is, aircraft, gliders, hang-gliders, microlights, parachuting, paragliding, ballooning)
- Suicide or deliberate injury
- War, hostilities, invasion or civil war, and full-time active military service
- Nuclear, chemical or biological terrorism
- Drug, alcohol or solvent abuse, or taking drugs (unless you are told to by a registered medical practitioner)
