Accident, Sickness and Travel

Product Detail

Our Group Personal Accident and Sickness insurance is vital for businesses to protect themselves and their employees. Our employer-financed product is designed for corporate clients and protects the business against financial loss if a key member of staff is unavailable for work due to illness or an accident.

Target Market

• Professional occupations/ industry sectors.
• SMEs and mid-size corporations based in the UK.
• Individuals resident in the UK.
• Schemes (including flex benefits), Associations and member groups.

Key Features

• Flexible declaration basis.
• Special extensions including medical expenses and retraining expenses.
• Business travel extensions with all trips considered including manual work.
• £10M medical sum insured.
• Online portal for annual or single trip insurance for leisure and non-manual business trips.
• Variable operative times available including 24 hour (worldwide), for policyholders who are UK residents.
• Flexible benefit levels catering for an extensive range of occupations.
• Weekly benefit cover with flexible benefit period options available.
• Amateur sporting/life style activities & hobbies subject to additional terms.

Product Detail

Our Individual Personal Accident & Sickness insurance is specifically designed for self-employed people who wish to cushion the financial blow, to themselves and their family, following an accident or sickness (whether it occurs inside or outside of work). Even those who are employed may find their contract of employment package is insufficient and benefit from an additional policy.

Target Market

• Professional occupations/ industry sectors.
• SMEs and mid-size corporations based in the UK.
• Individuals resident in the UK.
• Schemes (including flex benefits), Associations and member groups.

Key Features

• Variable operative times available including 24 hour (worldwide), for policyholders who are UK residents.
• Limits available on a multiple of salary or fixed limit basis.
• Flexible benefit levels catering for an extensive range of occupations.
• Cover up to age 65 for sickness (55 for new business) and 75 for accident (69 for new business).
• Weekly benefit cover with flexible benefit period options available.
• Amateur sporting/life style activities & hobbies subject to additional terms.

Product Detail

This product is only available through our broker portal, where we offer brokers an instant online quote and buy travel option, quoting both single-trip and annual multi-trip travel insurance.

Instant access to our travel products also includes online medical screening where consideration can be given to a wide range of pre-existing medical conditions. With our flexible underwriting approach we can consider a wide range of activities, including a variety of optional extensions so that your client is fully covered.

Target Market

• Individuals and families holidaying in Europe and the Rest of the World.

Key Features

• Various levels of cover available – gold, silver and bronze benefits.
• Single trip and annual multi trip travel.
• Save and retrieve quote function.
• Online medical screening (instant decision without referral to insurers).
• Amend quotes / policies mid-term.
• Optional winter sports, golf and cruise cover.
• Full commission paid on travel and medical screening premiums.
• Full quote and buy policy fulfilment.
• Automated pre-renewal functionality.
• Maximum age annual multi trip 74 years.
• Maximum age single trip travel 79 years.
• Maximum trip duration 60 days annual multi trip 31 days for over 65 years old.
• Maximum trip duration 180 days single trip.