Group Personal Accident

What is covered:
Accidental Bodily Injury that causes

· Death
· Loss of sight
· Loss of limbs
· Permanent total disablement
· A benefit expressed as an
  amount per week payable
  as a result of Accidental
  Bodily Injury that causes
  Total disablement entirely
  preventing the Insured from
  engaging in their usual
  occupation

There are additional benefits payable as a result of an accident covered under this policy:

· Specified broken bones and
  dislocations
· Emergency dental treatment
  necessary incurred
· Physiotherapy treatment
· Hospital in-patient benefit

Cover operates: while in the employment of the insured including direct travel from home to place of work and from place of work to home

· Pre existing Medical
  Conditions
· Intoxicating liquor or drugs
· Self-inflicted injuries
· Injury sustained if
  permanently resident
  outside the United
  Kingdom
· War Risks
· Cover for acts of terrorism
  is limited to £1,000,000
  per event and excludes
  harm by nuclear, chemical,
  biological and
  radiological means
· The first 14 days of each
  period of disablement
· Back injuries and strains
  due to lifting twisting,
  turning or wrenching
· Offshore work