| Core Cover |
|
|
|
|
|
| Broken bones |
| Major (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull - not including facial bones or ear bones) |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Minor (ear bones, facial bones other than the mandible, excluding the nose, any other bone not listed as major) |
£250 |
£500 |
£750 |
£1,000 |
£1,250 |
| Hospitalisation (per 24-hour period) as a result of accident or sickness |
| Hospital admission due to sickness is covered once you’ve held the policy for at least 12 months |
£50 |
£100 |
£150 |
£200 |
£250 |
| Accidental permanent injury |
| Paralysis of limbs – total and irreversible |
£25,000 |
£50,000 |
£75,000 |
£100,000 |
£125,000 |
| Blindness in both eyes – permanent and irreversible |
£20,000 |
£40,000 |
£60,000 |
£80,000 |
£100,000 |
| Loss of both hands or both feet – permanent physical severance |
£20,000 |
£40,000 |
£60,000 |
£80,000 |
£100,000 |
| Deafness in both ears – permanent and irreversible |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Loss of use of elbow, hip, shoulder, knee, ankle or wrist |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Loss of one hand or foot – permanent physical severance |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Loss of thumb |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Third-degree burns – covering 20% of the body’s surface |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Blindness in one eye – permanent and irreversible |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Loss of speech – total permanent and irreversible |
£7,500 |
£15,000 |
£22,500 |
£30,000 |
£37,500 |
| Deafness in one ear – permanent and irreversible |
£2,500 |
£5,000 |
£7,500 |
£10,000 |
£12,500 |
| Loss of finger (not thumb) or toe |
£2,500 |
£5,000 |
£7,500 |
£10,000 |
£12,500 |
|
| Total permanent disablement - unable to look after yourself ever again (due to accidental injury only) |
|
£50,000* |
£100,000* |
£150,000* |
£200,000* |
£250,000* |
| Accidental death |
|
£40,000 |
£80,000 |
£120,000 |
£160,000 |
£200,000 |
| Non-accidental death |
| Within 1 year |
Premiums refunded |
Premiums refunded |
Premiums refunded |
Premiums refunded |
Premiums refunded |
| Year 2 |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Years 3 - 4 |
£1,500 |
£3,000 |
£4,500 |
£6,000 |
£7,500 |
| Year 5 + |
£2,000 |
£4,000 |
£6,000 |
£8,000 |
£10,000 |
| Child Cover |
| Broken bones |
| Major (arm, ankle, back, hip, mandible, leg, neck, pelvis, shoulder, wrist, skull - not including facial bones or ear bones) |
£250 |
£500 |
£750 |
£1,000 |
£1,250 |
| Minor (ear bones, facial bones other than the mandible, excluding the nose, any other bone not listed as major) |
£50 |
£100 |
£150 |
£200 |
£250 |
| Hospitalisation in the UK (per 24 hour period) as a result of accident or sickness |
| Hospital admission due to sickness or treatment of self-inflicted injury, is covered once the Child Cover has been held for at least 12 months |
£20 |
£40 |
£60 |
£80 |
£100 |
| Accidental permanent injury |
| Paralysis of limbs – total and irreversible |
£5,000 |
£10,000 |
£15,000 |
£20,000 |
£25,000 |
| Blindness in both eyes – permanent and irreversible |
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
| Loss of both hands or both feet – permanent physical severance |
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
| Deafness in both ears – permanent and irreversible |
£2,000 |
£4,000 |
£6,000 |
£8,000 |
£10,000 |
| Loss of one hand or foot – permanent physical severance |
£2,000 |
£4,000 |
£6,000 |
£8,000 |
£10,000 |
| Loss of use of elbow, hip, shoulder, knee, ankle or wrist |
£2,000 |
£4,000 |
£6,000 |
£8,000 |
£10,000 |
| Loss of thumb |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Deafness in one ear – permanent and irreversible |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Blindness in one eye – permanent and irreversible |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Loss of speech – total permanent and irreversible |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Burn - referred to a specialist burns unit due to its severity, covering 5% of the body’s surface |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
| Loss of finger (not thumb) or toe |
£250 |
£500 |
£750 |
£1,000 |
£1,250 |
| Total permanent disablement - unable to look after yourself ever again (due to accidental injury only) |
|
£5,000^ |
£10,000^ |
£15,000^ |
£20,000^ |
£25,000^ |
| Cancer - as defined in the policy Terms & Conditions |
|
£5,000 |
£10,000 |
£15,000 |
£20,000 |
£25,000 |
| Accidental death |
|
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
The benefit amounts payable for Core Cover are reduced by 50% from the policyholder’s 70th birthday.
* The benefit amount payable for Total Permanent Disablement will be reduced by the amount already paid in connection with the same accident that caused your total disablement.
^ The Child Cover benefit amount payable for Total Permanent Disablement will be reduced by the amount already paid in connection with the same accident that caused the child’s total disablement.
Non-accidental death benefit is not included under Child Cover. Please see the Policy Terms and Conditions for full details.
Limitations to benefits - In each policy year, Active Lifestyle Cover pays benefit for: one dislocation; and one tendon rupture or grade 3 / grade 2 ligament tear.
Dislocations: only dislocations resulting in a radiological scan and surgical intervention or manipulation under anaesthetic are covered.
Ligament tears: If benefit has previously been paid for a partial (grade 2) ligament tear in a policy year, the benefit for a subsequent complete (grade 3) ligament tear in the same year will be the same as that paid for a partial (grade 2) ligament tear.
The Policy is provided by MetLife.
Please see the Policy Terms and Conditions for full details.
