GROUP PERSONAL ACCIDENT INSURANCE Insurance Product Information Document Company (Insurer): Chubb European Group SE is incorporated in France and operates through a branch in the UK. Authorised and regulated by the French Prudential Supervision and Resolution Authority. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Details about our authorisation can be found on the Financial Conduct Authority’s website (FS Register number 820988).
Product: Howden Personal Accident Insurance Plan for Students (Essential Cover) Group Policy Group Policyholder: Bangor University Students’ Union (Non-Sporting)
Policy No. 51UK452595/144
This document provides a summary of the main cover and exclusions. It is not personalised to your specific individual circumstances. Complete pre-contractual and contractual information about this product is provided in the group policy schedule and group policy wording (copies of which are available from the Group Policyholder).
What is this type of insurance? This is a group personal accident insurance policy. It provides cover in the event of accidental death or serious injury and a range of other covers including dental injuries and hospital stay, all following an accident whilst participating in or attending any activity recognised by and under the auspices of the Group Policyholder.
What is insured? The primary value of the cover is providing financial benefits following death or permanent injuries resulting from an accident when undertaking an activity covered by this policy, with a range of secondary covers included too. This policy pays benefits in accordance with the policy wording, in the event that you:✓ die or are permanently disabled; or ✓ suffer damage to teeth or need to stay in hospital; or ✓ are temporarily unable to work or attend lessons / lectures; or ✓ incur costs in deferring your academic course. as a result of an accident. The main sections of the policy and benefit levels are listed below, with full details of sub-sections contained in the policy schedule. ✓ Section 1 Personal Injury Insurance 1. Accidental Death - £30,000 2. Permanent Total Disablement - £50,000 / Total Organic Paralysis - £50,000 / Total Loss of Intellectual Capacity £50,000 / Loss of Sight in one or both Eyes – £50,000 / Loss of one or more Limb(s) - £50,000 / Permanent Partial Disability (benefit limits vary depending on nature of the permanent injury) – up to £25,000 3. Temporary Total Disablement* - £40 per week for up to 52 weeks 4. Loss of Earnings* - £65 per week max. 26 weeks 5. Hospital Confinement - £20 per day for up to 120 days 6. Additional Travel Expenses – up to £150 7. Dental Expenses – up to £1,000 ✓ Section 2. Supplementary Travel and Accommodation Expenses (following hospital in-patient treatment) – £50 up to £1,000 (benefit limits vary depending on the nature of expenses incurred) ✓ Section 3. Course Deferment Expenses – up to £3,000 ✓ Section 4. Coma – £140 per week for up to 52 weeks ✓ Section 5. Broken Bones – Not Insured ✓ Section 6. Primary Dislocation – Not Insured ✓ Section 7. Knee Ligament Injury – Not Insured ✓ Section 8. Recovery Therapy following Broken Bones or Dislocation – Not Insured ✓ Section 9. Medical Certificate Expenses – up to £40 ✓ Section 10. Non-Refundable Sports Fees – Not Insured ✓ Section 11. Optical Expenses – Not Insured ✓ Section 12. Concussion - £250 or £5,000, depending on severity of the concussion
What is not insured? Sections 5, 6, 7, 8, 10 and 11, marked in ‘What is
Insured’ as ‘Not Insured’, are not covered under this policy
Illness or disease not directly resulting from injury Repetitive Stress (Strain) Injury or Syndrome or any
gradually operating cause. Post-Traumatic Stress Disorder or any psychological or psychiatric condition
Pre-existing medical conditions which existed before you were covered under this policy
Suicide, deliberate self- harm or misuse of drugs or alcohol
Injuries as a result of: air travel as a pilot or crew
member of an aircraft or helicopter; canoeing, sailing or boating over 4½ miles from the coastline; underwater diving; or activities in the pursuit of danger e.g. bungee jumping
The first 7 days (waiting period) under Temporary Total Disablement and Loss of Earning Benefits. The first 14 days (waiting period) under the Coma Benefit
Members of full time armed forces are excluded. Reserve armed forces are not covered whilst called up on active service
The first £25 of any claim for damage to teeth Permanent Total Disablement, if insured person is retired and receiving a pension
Any claims which would result in breaches of UN
resolutions or trade or economic sanctions or other laws of the EU, UK or USA.
Are there any restrictions on cover? !
We will not pay the first £25 of any claim for Additional Travel Expenses unless the claim exceeds £25 when we will pay it in full.
IPID: Howden Essential Cover Annual Personal Accident Insurance IPID UK Final1 Oct 2024
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