What it covers
- Accidental death and dismemberment
- Disability income if you can't work
- Medical and hospital expenses after an accident
- Fractures and serious injuries
- Worldwide cover, 24 hours a day
Who it's for
- Self-employed people and freelancers
- Workers in physical jobs
- Employers covering staff and travelling employees
- Families wanting extra protection
Good to know
AD&D
Accidental death and dismemberment pays a set amount for death or serious loss of limb or sight.
Waiting period
Disability benefits usually start after a set number of days off work.
Own occupation
Some plans pay if you can't do your own job, not just any job.
Usually not covered
- Illness and disease
- Self-inflicted injury
- Injury while intoxicated
- Undeclared hazardous sports
Related cover
Many clients combine policies so there are no gaps between them.
Every policy has its own terms, limits and exclusions, set by the insurer. We explain them in plain language before you buy.
Get a quote for accident & disability
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