Accident Only Cover


As well as our Accident and Sickness plans which respond to operations for elective surgery as well as accidents, our policies can be designed to respond to operations arising from accidents only.



The resultant lower cost provides an opportunity for our partners to create a white-labelled mass market product which can be offered as a mandatory cover or as a voluntary bolt-on alongside other protection products.

 

Because of the nature of the protection, the product does not normally conflict with other protection products but instead provides a valuable benefit in the event of an accident.

Plans can be designed to offer round the clock accident protection or respond to specific events such as injuries arising from amateur sports or motor accidents.

 

Examples of Operations and Medical Procedures covered under our Accident only Plans

Operation Classifications

Examples

Medical procedures which have a recovery and return to light manual work in a few days

Accident and Emergency : Surgery to the eye muscles and lens, Surgery to the eardrum and ear canal, Gum surgery.

 

Medical procedures which have a recovery and return to light manual work in around two to three weeks

Accident and Emergency : Appendix removal, Open surgery to the windpipe, Surgery to the nose, jaw or mouth, Treatments for dislocated joints.

 

Medical procedures which have a recovery and return to light manual work in around one to two months

Accident and Emergency : Treatments for fractures of larger bones, Tendon or muscle repair procedures such as knee ligament repairs, Reconstructive surgery to the eye, Brain surgery.

 

Medical procedures which have a prolonged recovery

Accident and Emergency : Complicated limb or joint reconstruction, Treating fractures by traction, Limb amputations.

 

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