Accident only or Accident and Sickness cover can be arranged for most occupations, including heavy manual work, with the flexibility of benefits. These can include:

• Capital benefits which provide a lump sum following accidental bodily injury on: death, loss of limbs, speech, sight or hearing, or permanent inability to work.
• Weekly benefit for up to two years if you are unable to work following an accident. Cover can be extended to include weekly sickness benefit for up to one year and payments for weekly benefits can begin after just seven days.
• Extended cover to provide a temporary member of staff to undertake your duties if you are ill, have had an accident at a specified crucial time, or for one or two pre-arranged periods per year.

Policies are operative at any time (24 hours and Worldwide) for UK residents.

All covers arranged are subject to individual insurer proposal forms and their standard underwriting terms and conditions. The above details are for illustrative purposes only.