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Core Cover
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
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
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*
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
  • 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.