Core Cover |
|
|
|
|
|
Broken bones |
Major (arm, ankle, back, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist) |
£850 |
£1,600 |
£2,400 |
£3,200 |
£4,000 |
Minor (any other) excluding the nose |
£200 |
£400 |
£600 |
£800 |
£1,000 |
Hospitalisation (per 24-hour period) as a result of accident or sickness |
Hospital admission due to sickness is covered after you’ve had your policy for 12 months |
£50 |
£100 |
£150 |
£200 |
£250 |
Accidental permanent injury |
Paralysis of limbs – total and irreversible |
£50,000 |
£100,000 |
£150,000 |
£200,000 |
£250,000 |
Blindness – permanent and irreversible in both eyes |
£40,000 |
£80,000 |
£120,000 |
£160,000 |
£200,000 |
Loss of hands or feet – permanent physical severance |
£40,000 |
£80,000 |
£120,000 |
£160,000 |
£200,000 |
Deafness – permanent and irreversible in both ears |
£40,000 |
£80,000 |
£120,000 |
£160,000 |
£200,000 |
Loss of use of elbow, hip, shoulder, knee, ankle, wrist |
£20,000 |
£40,000 |
£60,000 |
£80,000 |
£100,000 |
Loss of one hand or foot – permanent physical severance |
£20,000 |
£40,000 |
£60,000 |
£80,000 |
£100,000 |
Loss of thumb |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Deafness – permanent and irreversible in one ear |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Loss of major organ (kidney, spleen, lung, pancreas, urinary bladder or stomach) |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Blindness – permanent and irreversible in one eye |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Loss of speech – permanent and irreversible |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Third-degree burns – covering 20% of the body’s surface area |
£10,000 |
£20,000 |
£30,000 |
£40,000 |
£50,000 |
Loss of finger or toe |
£2,500 |
£5,000 |
£7,500 |
£10,000 |
£12,500 |
Total permanent disablement - unable to look after yourself ever again (bodily 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, cranium, hip, leg, mandible, neck, pelvis, shoulder or wrist) |
£250 |
£500 |
£750 |
£1,000 |
£1,250 |
Minor (any other) excluding the nose |
£50 |
£100 |
£150 |
£200 |
£250 |
Hospitalisation (per 24-hour period) as a result of accident or sickness |
Hospital admission due to sickness 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 – permanent and irreversible in both eyes |
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
Loss of hands or feet – permanent physical severance |
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
Deafness – permanent and irreversible in both ears |
£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, 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 – permanent and irreversible in one ear |
£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 – permanent and irreversible in one eye |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
Loss of speech – permanent and irreversible |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
Third-degree burns – covering 20% of the body’s surface area |
£1,000 |
£2,000 |
£3,000 |
£4,000 |
£5,000 |
Loss of finger or toe |
£250 |
£500 |
£750 |
£1,000 |
£1,250 |
Total permanent disablement - unable to look after yourself ever again (bodily injury only) |
|
£5,000 |
£10,000 |
£15,000 |
£20,000 |
£25,000 |
Cancer - excluding less advanced cases |
|
£5,000 |
£10,000 |
£15,000 |
£20,000 |
£25,000 |
Accidental death |
|
£4,000 |
£8,000 |
£12,000 |
£16,000 |
£20,000 |
Non-accidental death benefit is not included under Child Cover.
Children are not covered under optional Active Lifestyle Cover or Healthcare Cover.
Limitations to benefits - In each policy year, Active Lifestyle Cover pays benefit for: dislocation; and/or one tendon rupture or grade 3 / grade 2 ligament tear.
Dislocations: only dislocations resulting in surgical intervention are covered.
Ligament tears: If benefit has previously been paid for a partial (grade 2) ligament tear in a policy year, 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 benefit amounts payable for Core Cover are reduced by 50% from the policyholder’s 70th birthday.
The Policy is provided by MetLife.
Please see the Policy Terms and Conditions for full details.