For the injuries that stop normal life in its tracks
A broken wrist isn't life-threatening and it wouldn't meet the definition of a critical illness — but if you're self-employed, or you work with your hands, it could still cost you weeks of income and a good deal in getting by.
Accident protection is built for exactly that gap. It pays a cash lump sum for a defined list of accidental injuries, and an amount for time spent in hospital.
More than one claim can usually be made, and the policy continues afterwards, subject to its terms.
Everyday protection for accidental injuries
MAP can arrange MetLife's MultiProtect plan, which is built around this kind of everyday protection.
Cover that can be matched to your budget
Cover is bought in units — the more units you take, the larger every benefit under the policy. That lets you match the cover to your budget rather than take a fixed package.
What the core cover includes
Accidental injuries
Cash benefits for a range of specified accidental injuries, from minor to serious.
Hospital benefit
A payment for every 24-hour period spent in hospital as an in-patient following an accident, in the UK and selected European countries.
Accidental death and funeral
Accidental death and funeral cover is included within the core protection.
Hospital stays due to sickness
After the policy has been held for a qualifying period, hospital stays due to sickness can also be claimed for.
Additional ways to extend the cover
Child cover
Extends protection to your children and includes a benefit on cancer diagnosis.
Active lifestyle cover
Covers injuries like dislocations, ligament tears and tendon ruptures — worth looking at if you play sport regularly.
No health questions
Cover is available without medical underwriting, and the premium isn't based on your health at outset.
Subject to eligibility, that can make it an option for people who've struggled to put other protection in place.
Virtual GP access
Policyholders and their families currently have access to GP24, a virtual GP service provided by HealthHero, with appointments available outside normal surgery hours.
Access to this service is subject to the plan terms and can be withdrawn or changed by the provider.
Where accident protection can fit
Accident protection can be relevant to people whose income or day-to-day life could be affected by an injury, including:
Self-employed people and contractors
Particularly where there is no sick pay behind them.
Tradespeople
And anyone whose income depends on being physically able.
Parents
Where an accident could create additional financial pressure on the household.
Anyone wanting an additional layer of cover
Alongside — not instead of — life, critical illness or income protection.
What accident protection doesn't do
This is accident and hospitalisation cover rather than income protection.
It pays set amounts for defined events rather than replacing your salary, benefit levels can reduce at older ages, and exclusions apply.
Certain occupations aren't eligible.
We'll explain where it fits in your overall protection and where it doesn't.
Think about what would happen after an accident
Accident protection is designed to provide a cash benefit for defined accidental injuries and hospital stays.
It isn't designed to replace your income in the same way as income protection, so it's important to understand what each type of cover would actually pay.
We'll help you look at the different types of protection together so you can see where accident cover fits.
Getting it right
Accident protection can provide a straightforward layer of financial support following a defined accidental injury or hospital stay.
The important thing is understanding the benefit levels, qualifying conditions and exclusions, and how the policy fits alongside the other protection you already have.
Speak to one of our advisers and we'll explain where it fits in your overall protection and where it doesn't.
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