Personal Accident

Accidents do happen

Every year approximately 7 million accidents occur in the UK. They can happen anytime, anywhere, day or night, at home, at work, on holiday, on the road, or during sport and leisure.

Costs soon begin to add up. The mortgage, council tax, and all the utility bills, not forgetting feeding the family.

So what do you do? The simple solution is to take out The BHSF Personal Accident Plan. It is designed to provide you with a substantial cash benefit should the unthinkable happen.

Protect yourself and your family

Once you take out a policy you are covered if an accident causes specified paralysis or burns, specified fractures, permanent disabilities an in the worst case, death.

Depending upon the type of accident you suffer and the level of cover you choose this comprehensive plan can provide up to £500,000 tax-free financial support. It gives you world-wide protection 24 hours a day, 365 days a year.

The plan also gives you access to free independent financial advice to provide maximum security for you and your family following a serious accident.

For even greater peace of mind you can add your spouse/partner to your policy. If you do so, your children are insured for free. And if you happen to be a single parent, we automatically include your children within your cover. (Children to be covered must normally be living with you and be under the age of 18, or if in full-time education, under the age of 23.)

Flexible cover

There are ten levels of cover available, referred to as units. Each unit provides an amount of cover for particular incidents, for example £20,000 for the loss of sight in both eyes, or £10,000 for the loss of a limb.

You can choose any level of cover from the minimum of one unit, to a maximum of ten units. The more units you have, the greater the benefits you can receive. For example, one unit of cover would give you £10,000 for the loss of sight in one eye. Ten units would provide £100,000 for the same injury. Simply select the cover that most suits your income.

All the support you need, whenever you need it

The emotional trauma of a serious accident is one of the greatest battles you might have to fight. That’s why, as well as financial support, the BHSF Personal Accident Plan also provides you and your family with 24 hour counselling support in case a serious accident strikes, once the claim has been registered.

Guaranteed cover

As long as you’re under the age of 65 we’ll issue you with cover – that’s guaranteed. A medical examination is not required.

Cash to spend as you choose

All cash benefits are paid directly to you, so you can use them as you wish. That can be anything from special equipment to help overcome a disability, to making changes around your home to improve mobility.
Alternatively, you may decide to treat your family to a much needed holiday. Or simply invest the cash for your future. At the end of the day, it’s entirely up to you what you do.