What is a Personal Accident Plan?
A Personal Accident Plan provides cash benefits from fractures and serious accidents
We all believe ‘it will never happen to me’ but I’m sure you're aware of someone who has suffered a serious accident – either at work, in a car or at home.
What would happen if you suffered a serious injury?
It’s likely you’ll need to take some time off work to recover, which could hit your earnings.
Then there may be other financial costs - perhaps you’ll need to make changes around the house or other expensive lifestyle changes. Let’s not forget the disruption to your life and those around you either.
The Hive Personal Accident Plan pays out a lump sum benefit if you suffer a specified injury. It means you can concentrate on getting better without having to worry about money.
Plan highlights
Our Personal Accident Plan is a simple plan that pays you a cash lump sum if you suffer a specified fracture or serious accident.
What's included?
The Hive Personal Accident Plan is available with 2 levels of cover - Premier or Premier PLUS. Below we outline the benefits of both plans
Premier Plan
Includes 21 fracture benefits plus two additional cash benefits
Fracture benefits for children
Any children covered under the plan will be entitled to 50% of all benefits illustrated above.
Fracture cover excludes all fingers and toes.
Premier Plus Plan
All the benefits from the Premier Plan - plus a further 19 serious accident benefits
| BRONZE | SILVER | GOLD | |
|---|---|---|---|
| Permanent Total Disability: as a result of travelling as a fare paying passenger | £100,000 | £150,000 | £200,000 |
| Permanent Total Disability: as a result of any other accident | £50,000 | £75,000 | £100,000 |
| Loss of sight in both eyes | £50,000 | £75,000 | £100,000 |
| Loss of two limbs | £50,000 | £75,000 | £100,000 |
| Quadraplegia | £50,000 | £75,000 | £100,000 |
| Paraplegia | £50,000 | £75,000 | £100,000 |
| Permanent brain damage | £50,000 | £75,000 | £100,000 |
| Loss of sight in one eye | £25,000 | £37,000 | £50,000 |
| Loss of use of one limb | £25,000 | £37,000 | £50,000 |
| Loss of speach | £25,000 | £37,000 | £50,000 |
| Loss of hearing in both ears | £25,000 | £37,000 | £50,000 |
| Loss of hearing in one ear | £5,000 | £7,500 | £10,000 |
Loss of use of: - a shoulder or elbow - a wrist, thumb, hip, knee or ankle - any finger or big toe - any other toe | £1,000 £7,500 £2,500 £1,250 | £15,000 £11,250 £3,750 £1,875 | £20,000 £15,000 £5,000 £2,500 |
| Daily Hospitalisation benefits* | £50 per day | £75 per day | £100 per day |
| Lump sum hospitalisation benefit following 14 days continuous hospitalisation | £500 | £750 | £1,000 |
| Accidental Death | £25,000 | £37,500 | £50,000 |
*Excluding the first 24 hours and up to maximum of 45 days in hospital
Cover for children
Where children are covered, they will receive the following serious accident benefits:
- 10% of the above benefits, except;
- Daily hospitalisation benefit & lump sum hospitalisation benefit where they will receive 50% of the above benefits.
Please refer to the Policy Document for a full list of benefits.
What's not included?
These are some of the key exclusions
War and terrorism
Riding a motorcycle, moped or scooter
Rock climbing or mountaineering
Flying except as a fare-paying passenger
Competing in any race other than on foot or whilst swimming
Illegal acts, use of explosives, suicide or self-inflicted injury
Being under the influence of alcohol or drugs
HIV, AIDS and related sickness, disease or injury
Please refer to the Policy Document for a full list of exclusions.