Frequently Asked Questions

Provided you are aged 50 years or over and permanently resident in the UK.

The Plan pays out a cash sum for a range of injuries including fractures, dislocations, burns and permanent disabilities such as loss of limbs, sight or hearing. A one off hospitalisation benefit is also available if an accident results in bodily injury requiring hospital confinement as an in-patient for two or more days (this benefit is only applicable where no other benefit is payable). Full details of your cover will be sent with your Policy Document.

The maximum amount payable under this policy in respect of an insured person is £15,000 for Standard Cover and £30,000 for Premier Cover.

The Standard Cover benefits are:

FRACTURES

Benefit payable (for each broken bone)Fractures to the:	Maximum Benefit Payable
Vertebra, vertebral body (excl. coccyx)	£2,500
Pelvis	£2,000
Skull (excluding nose & teeth): Breast Bone; Shoulder (shoulder blade and collar bone); Arm; Leg; Vertebra-vertebral arch (excl. coccyx)	£750
Ankle (Potts or similar fractures)	£500
Wrist (Colles or similar fractures)	£350
Coccyx (base of spine)	£250
Rib	£100
Hand and Fingers; Foot and Toes; Nose	£75
Total Fractures Benefit payable for any one accident	£15,000
In respect of an accident, the maximum benefit payable is	£15,000

 
DISLOCATIONS

Dislocations requiring reduction under anesthesia	Maximum Benefit Payable
Spine or Back, diagnosed by x-ray (excluding slipped disc)	£1,000
Hip	£500
Knee	£350
Wrist; elbow	£250
Ankle; Shoulder Blade or Collar Bone	£100
Finger or Finger; Toe or Toes; Jaw	£50
Total Dislocation Benefit payable for any one accident	£1,000

 
There is a limit of one payment for each dislocation benefit shown above, except for fingers and toes where the limit is one payment for each finger or toe. This restriction applies to each insured person for the lifetime of the policy.

PERMANENT DISABILITIES

	Maximum Benefit Payable
Loss of sight in both eyes	£10,000
Loss of both hands, both feet or a hand and a foot	£10,000
Loss of one hand or foot	£7,000
Loss of sight in one eye	£5,000
Loss of four fingers and thumb on either hand	£5,000
Loss of four fingers on either hand	£3,000
Loss of a thumb on either hand	£2,000
Loss of all toes on either foot	£1,500
Loss of finger or big toe	£500
Loss of toe, other than big toe	£200
Total Disability Benefit payable for any one accident	£10,000

 

BURNS

Full thickness burns to at least	Maximum Benefit Payable
27% of body surface	£500
18% of body surface	£350
9% of body surface	£200
4.5% of body surface	£100
Maximum Burns Benefit payable for any one accident	£500

 
 
HOSPITALISATION

	Maximum Benefit Payable
Injury requiring hospital confinement, as an in patient for two or more days, where no other benefit is payable	£50

 
All Premiums are payable monthly and include 6% Insurance Premium Tax.
    
Nb. If osteoporosis or pathological fracture is diagnosed for the first time when you claim for a fracture we will not pay any further benefits for fractures, the rest of the benefits would still be available.
   
Please note: All benefits are paid tax-free under current legislation, but may be subject to inheritance tax, or other taxation. Your acceptance into this Plan is guaranteed as long as you are 50 years of age or older and resident in the UK.

You are entitled to the hospitalisation benefit following an accident which results in bodily injury requiring hospital confinement as an in-patient for two or more days. This benefit is only applicable where no other benefit is payable. 
  
The maximum benefit payable for Standard Cover is £50 and £100 for Premier Cover.

You can cover yourself and your partner or spouse if aged 50 years or over (see below for premiums).

Yes, general Exclusions and Limitations can be found in the Policy Document.
 
The following are significant exclusions or limitations. No benefit is payable: 

1. For a fractured bone if you have been diagnosed with osteoporosis or pathological fracture before the start of your policy.
2. If your injuries are the result of a sickness or disease.
3. If you die within three months of the accident.

Benefits for permanent disabilities covered by the Plan will be reduced if you have an existing physical or medical condition which contributes to a permanent disability you suffer after a covered accident.
       
Where there is loss of sight in both eyes, or loss of both hands, both feet, or a hand and a foot, only one benefit is payable and cover stops from the day of the accident.

Single Standard Cover is £5.00 and Joint Standard Cover is £8.85. Single Premier Cover is £9.25 and
Joint Premier Cover is £15.90 (including 6% Insurance Premium Tax).

You can make a lump sum payment if you prefer. Simply multiply the monthly premium you have chosen by 12 and send a cheque for this amount payable to Chartis Direct at: Chartis Direct, 96 George Street, Croydon CR9 1BU.

Yes. If you suffer a qualifying injury you are covered, no matter where it takes place, as long as you are not outside the UK for more than 180 consecutive days. This includes while playing recreational sport.

No medical examination is required to take out this Plan.

Yes, as soon as we receive your correctly completed web application form.

You can notify us of a claim either by phone on 020 8662 8101 or in writing to: Chartis Direct, 96 George Street, Croydon CR9 1BU.

You can cancel your policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is later) you will be entitled to a full refund of that premium as long as no claim has been made in that period. We will provide the refund to you within 30 days from the date we receive your notice of cancellation.
  
If you cancel this policy after the 15 day period there will be no refund of premium on a monthly paid contract. If you paid an annual premium a proportionate amount of your premium will be refunded on cancellation after 30 days, as long as no claim has been made.
  
You can cancel your policy by phone on 020 8662 8195 or in writing to: Chartis Direct, 96 George Street, Croydon CR9 1BU.

We are unable to provide advice as to the suitability of the insurance Plan for your circumstances.

020 8662 8101 Claims helpline 8.30am to 5.30pm Monday to Friday
  
020 8662 8195 Customer helpline 8.30am to 5.30pm Monday to Friday