Personal Accident


Personal Accident

Personal Accident insurance provides financial protection from bodily injury following an accident with a lump sum payment. Focus’ facility is designed for occupational accidents only, and the rating is based on all employees – including clerical.


  • Occupational accident insurance
  • Statement of fact basis – no proposal form required


  • Lump sum payable if within two years as the result of bodily injury following an accident an insured person dies or is left permanently totally disabled
    1. Death £30,000
    2. Loss of two or more limbs, both eyes or one of each £30,000
    3. Loss of one limb or eye, permanent total loss of speech, permanent or total loss of hearing £30,000
    4. Permanent total disablement from any occupation £30,000
    5. Fracture to pelvis, femur, skull or spine £500
    6. Fracture to any other bone other than tarsals, metatarsals, phalanges, carpals, metacarpals or phalanges £250
  • Accident medical expenses up to 25% of any amount paid under the above criteria, subject to a maximum of £10,000
  • Funeral expenses – up to a maximum of £10,000 any one insured
  • Personal hospitalisation – £50 per full 24 hours up to a maximum of 52 weeks and one insured person


  • Groups of three or more insured persons
  • Cover only available for PAYE Employees
  • Clerical employees