Frequently Asked Questions About Medical Recovery Insurance Accident Only Individual Plans
  • What is Medical Recovery Insurance?
    • Medical Recovery Insurance is an insurance protection product that provides cash benefits that are tiered to reflect the recovery time should you require a medical procedure after an accident.

      Medical Recovery Insurance policies provide a vital injection of cash which can be used to assist with out-of-pocket expenses and a reduced income to help individuals and their families manage until they’re expected to return to work.
  • What is an Accident?

      A sudden, unexpected event which happens at a certain time and place during the period of cover and which causes bodily injury.

  • What's not covered by Medical Recovery Accident Insurance?
    • Unless otherwise stated in your policy or your Policy Schedule, this insurance does not cover claims related to or in any way caused or contributed to by:

      • Treatment not arising from an accident.
      • Planned treatment(s) which are defined as medical procedure(s) that in the 12 month period prior to an insured person first becoming insured under this policy or at the date that you increased their level of cover:
        • an insured person had a date scheduled for such medical procedure(s) to be carried out; or
        • an insured person was on a NHS waiting list for the medical procedure; or
        • an insured person had been aware of or had been told by their GP or medical specialist that reasonable medical opinion would consider that a medical procedure may be required.
      • Suicide, attempted suicide or intentional self- inflicted injuries.
      • An insured person’s own criminal act.
      • An insured person being under the influence of alcohol or drugs when the accident occurs.
        • war or acts of terrorism
        • An insured person engaging in active war
        • nuclear risks
      • Any medical procedure directly or indirectly arising from or as a consequence of professional sports where a fee is received for training or playing.
      • Accidents occurring outside the UK, Isle of Man, the Channel Islands and the European Economic Community (EEC).
      • Any treatment received more than 12 months after the date of the accident.
  • Who can buy Medical Recovery Insurance?

      We will cover you, and if appropriate your spouse or partner residing with you, under this policy if you and your spouse or partner

      Subject to payment of the required premium by you, your children can be added to this policy once they have become three years old and until they reach the age of 18 years old (or twenty-five years old if they are in full-time education). Benefits for children under the age of 18 are reduced by 50%.

      • live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year
      • are aged at least 18.
      • Are below the age of 75.
  • What happens if I require more than one medical procedure after an accident?
    • Should an insured person requires more than one medical procedure at the same time or in succession which is as a result of an accident, then we will only pay for the medical procedure which has the highest benefit.
  • What happens if my recovery time is longer than expected?
    • Medical Recovery Accident Insurance benefits are graded according to the normal recovery times of operations that in most cases would allow a person to return to light manual work. The benefits will not increase if a person takes longer to recover and will not reduce if they get back to work more quickly than expected.

  • Can I increase my level of benefit once I have joined?
    • You can increase your level of cover once you have joined by contacting us to request a revision of cover form. Please note that the exclusion relating to planned treatment(s) also applies to any increase in cover.
  • Is there a maximum age limit above which cover ceases?
    • You can be covered under Medical Recovery Accident Insurance until you reach age 75.

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