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As a self employed contractor, freelancer or sole trader, unforeseen accidents can cause an immediate impact on your income as you become unable to provide your services. Personal Accident Insurance provides you with a lump sum benefit should you suffer an accident that results in an insured injury, ensuring your income is protected during difficult times.
The cover provided ranges from £50 per day hospital benefit, to £50,000 in the event an Insured Person suffers permanent brain damage.
Please see the table of benefits provided below for full details of cover. Benefits are paid in full should a valid claim be received.
Should one incident cause multiple injuries, or should multiple claims be made during the policy period total value of all claims paid under the policy is £50,000.
Qdos Personal Accident Insurance provides up to £50 per day hospital benefit, and a lump sum payment up to £50,000, in the event of bodily injury as a result of an accident. Should one incident cause multiple injuries, or should multiple claims be made during the policy period total value of all claims paid under the policy is £50,000. See table below for full details.
| Death | £50,000 |
| Senses and Faculties | |
| Total loss of sight in one eye | £50,000 |
| Total deafness in both ears | £50,000 |
| Total deafness in one ear | £20,000 |
| Total loss of speech | £50,000 |
| Total loss of taste and smell | £15,000 |
| Quadriplegia | £50,000 |
| Paraplegia | £50,000 |
| Permanent Brain Damage | £50,000 |
| Face and skull | |
| Loss of whole lower jaw: | £50,000 |
| General loss of facial tissue incapable of surgical reinstatement and necessitating use of a cosmetic mask: |
£50,000 |
| General loss of facial tissue partially capable of surgical reinstatement, but with poor cosmetic result: |
£35,000 |
| Loss of bony substance of the skull in all its thickness: 6sq. cm. or more: |
£15,000 |
| Loss of bony substance of the skull in all its thickness: 6sq. cm. or more: 3sq. cm. |
£5,000 |
| Prominently raised facial scarring totalling: 15cm. in length or 15sq. cm. in area |
£10,000 |
|
Prominently raised facial scarring totalling: 5cm. in length or 5sq. cm. in |
£2,500 |
| Burns |
|
| Over 25sq.cm. in area | £5,000 |
| Bodily organs and spinal column | |
| Loss of one kidney | £20,000 |
| Loss of whole of one lung | £20,000 |
| Severe loss of spinal strength substantially and continuously restricting normal day to day domestic activity |
£25,000 |
| Partial loss of spinal strength and mobility with continuous pain during normal day to day domestic activity |
£10,000 |
| Upper limbs | |
| Loss of one arm or one hand | £50,000 |
| Complete immobility of shoulder | £35,000 |
| Complete immobility of elbow; in unfavourable position | £25,000 |
| Complete immobility of elbow; in favourable position [within 15 degrees of right angle] |
£17,500 |
| Complete immobility of wrist; in straight position | £12,500 |
| Complete immobility of wrist; in awkward position | £17,500 |
| Total loss of thumb | £12,500 |
| Partial loss of thumb: one phalange | £7,500 |
| Complete immobility of thumb | £7,500 |
| Total loss of forefinger | £7,500 |
| Partial loss of forefinger: one phalange | £2,500 |
| Partial loss of forefinger: two phalange | £5,000 |
| Total loss of any other finger | £2,500 |
| Complete immobility of finger (other than thumb for which see above) | £2,500 |
| Lower limbs |
|
| Loss of leg at or above the knee | £50,000 |
| Loss of leg below the knee | £35,000 |
| Loss of foot at or above the ankle joint | £30,000 |
| Loss of half foot | £20,000 |
| Complete immobility of hip | £25,000 |
| Complete immobility of knee | £15,000 |
| Total or partial loss of kneecap with considerably restricted movement | £15,000 |
| Total or partial loss of kneecap with full movement preserved | £7,500 |
| Shortening of lower limb: by 5cm or more | £15,000 |
| Shortening of lower limb: by 3cm to 5cm | £10,000 |
| Shortening of lower limb: by less than 3cm | £5,000 |
| Loss of big toe | £7,500 |
| Complete immobility of big toe | £5,000 |
| Loss of any other toe | £5,000 |
| Complete immobility of toe (other than big toe for which see above) | £2,500 |
| Fractures up to 5 claims per calendar year | |
| Grade 1 | £300 |
| Grade 2 | £500 |
| Grade 3 | £700 |
| Daily hospital benefit up to 60 days, excluding the first 24 hours | £50 |
Protect your income in the event of long-term illness or injury
Protect your income in the event of an accident
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