Up to £15,000 cash for injuries suffered anywhere

The Over 50 Accident Plan pays you a cash sum if you have an accident anywhere at home, on the road and even abroad resulting in any of the covered injuries. The table below shows you the payout for each of the injuries covered.

You’re in a car accident...
...and you suffer multiple fracture injuries. The Plan pays you up to £15,000 to spend as you wish as you recuperate.

FRACTURES:
Benefit payable for each broken bone Fractures to the:		Maximum Benefit Payable
Vertebra, vertebral body (excl. coccyx)		£2,500
Pelvis		£2,000
Skull (excluding nose & teeth): Breast Bone; Shoulder (shoulder blade and collar bone); Arm; Leg; Vertebra-vertebral arch (excl. coccyx)		£750
Ankle (Pott's or similar fractures)		£500
Wrist (Colles' or similar fractures)		£350
Coccyx (base of spine)		£250
Rib		£100
Hand and Fingers; Foot and Toes; Nose		£75
Total Fractures Benefit payable for any one accident		£15,000
DISLOCATIONS
Dislocations requiring reduction under anaesthesia		Maximum Benefit Payable
Spine or Back, diagnosed by x-ray (excluding slipped disc)		£ 1,000
Hip		£ 500
Knee		£ 350
Wrist; elbow		£ 250
Ankle; Shoulder Blade or Collar Bone		£ 100
Finger or Finger; Toe or Toes; Jaw		£ 50
Total Dislocation Benefit payable for any one accident		£ 1,000
PERMANENT DISABILITY		Maximum Benefit Payable
Total loss of sight in both eyes		£ 10,000
Total loss of both hands, both feet or a hand and a foot		£ 10,000
Total loss of one hand or foot		£ 7,000
Total loss of sight in one eye		£ 5,000
Complete loss of four fingers and thumb on either hand		£ 5,000
Complete loss of four fingers on either hand		£ 3,000
Complete loss of a thumb on either hand		£ 2,000
Complete loss of all toes on either foot		£ 1,500
Complete loss of finger or big toe		£ 500
Complete loss of toe, other than big toe		£ 200
Total Disability Benefit payable for any one accident		£ 10,000
BURNS
Full thickness burns to at least		Maximum Benefit Payable
27% of body surface		£ 500
18% of body surface		£ 350
9% of body surface		£ 200
4.5% of body surface		£ 100
Maximum Burns Benefit payable for any one accident		£ 500
HOSPITALISATION		Maximum Benefit Payable
Injury requiring hospital confinement, as an in-patient for two or more days, where no other benefit is payable		£50

Please note: All benefits are paid tax-free under current legislation, but may be subject to inheritance tax, or other taxation. Your acceptance into this plan is guaranteed as long as you are 50 years of age or older and resident in the UK.

Significant Exclusions and Limitations

There are also some events that are not covered, the most the following are significant exclusions or limitations:

No benefit is payable:

• For a fractured bone if you have been diagnosed with osteoporosis or pathological fracture before the start of your policy;
• If your injuries are the result of a sickness or disease;
• If you die within three months of the accident.
Benefits for permanent disabilities covered by the plan will be reduced if you have an existing physical or medical condition which contributes to a permanent disability you suffer after a covered accident.

Only one benefit for loss of sight in both eyes or loss of both hands, both feet or a hand and a foot is payable, and cover stops from the date of the accident.

If Osteoporosis or Pathological Fracture is diagnosed for the first time when you claim for a fracture, the plan will pay a valid claim but then your cover for fracture benefits will stop.

The full list of exclusions and benefit limitations is included in the Exclusions and Benefit Limitations sections in the Policy Document.