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.

BENEFITS

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

CORE COVER

• 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

TARGET BUSINESS

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