There are a number of policies available in the UK market place when it comes to personal permanent injury cover and the Accidental Permanent Injury Insurance is just one of them.
This policy will provide the policy holder a tax-free lump sum (under the current legislation) if you suffer a permanent disability as a result of an accident. For clarity, an accident is classified as a single, unexpected, unforeseen and unintentional incident that is not a symptom of disease or illness.
This policy does not cover you for an injury that is the direct result of an illness or disease and it is not intended to cover less serious injuries such as broken bones and soft tissue injuries.
Who is eligible for cover under this accident insurance policy from Aviva?
If you are aged between 18 and 81 and are a UK resident then you are eligible to apply for Accident Permanent Injury Insurance from Aviva. You can add your partner (for an additional premium) however, children are not eligible for cover.
Adding your partner will not be agreed if you do not live at the same address of share financial responsibility.
What is the maximum cover I can apply for?
You choose the amount you will be covered for from £40,000 to £100,000. The amount you receive will vary according to the injury being claimed for and the level of cover you have selected.
What type of conditions would be eligible?
- Amputation of arms and/or legs
- Loss of use of arms and/or legs
- Loss of sight
- Loss of hearing
As with all insurance policies there are terms and conditions that apply to each benefit section and there are general exclusions that apply to the policy as a whole.
The above information has been sourced from https://www.aviva.co.uk/personal-accident-insurance/accidental-permanent-injury/
If you are looking for a policy that will cover you for personal accident then the Medigest Business Directory could help you find a specialist in your area. Whether you want to speak to an independent financial advisor or a health insurance intermediary who can offer you advice across the market and regarding the most appropriate policy type or you want to speak to the insurance company directly, https://www.medigest.uk/directory/ can help you find the right people.