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Your Policy Changes Summary

In this section of the site, you can view a summary of the changes made to your policy. We also recommend that you read the relevant policy document carefully because this includes the full terms and conditions of your plan. 

What has changed?

Simply click on the policy or policies you hold from the table below to view the relevant summary guide to see what has changed. You can also view any changes to policies that include endorsements. 

While most of the policies can be seen below, if yours is not shown, please call us on 020 8662 8184.

Previous policy Changes made
Benefits

Cash lump sum for accidental bodily injury resulting in any of the permanent disabilities or fractures listed in the Certificate of Insurance. Other benefits include the reimbursement of the cost of artificial limbs, specialised transport or micro-surgery.

Separate Accidental Death Benefit was given at no additional cost which pays £10,000 to the estate of the Insured (regardless of age) if you die within 6 months of the date of the accident.

  • The £10,000 Accidental Death Benefit now forms part of the Disabling Injuries Protection Plan and is now increased to cover a death within a 12 month period from the date of the accident.
  • Added benefit for non-specified injuries (amount varies on level of cover) and a percentage is payable.
  • Added benefits for proportional loss where we will pay a percentage of the most relevant item in the Table of Benefits if you suffer a permanent injury not otherwise covered.
  • A consultant can assess the difference between an existing condition before and after an accident. A percentage may be payable based on the difference.
No Claims Bonus increases the benefit of the first claim per Insured Person up to a maximum of 25%. Remains the same but is now referred to as No Claims Benefit Enhancement (shown under Special Benefits A).

Special benefits include an extra:

  • 100% if accident occurs whilst riding as a fare-paying passenger
  • 50% if accident sustained on a bank holiday
  • 50% if accident sustained whilst riding as a passenger or driver on a Motorway
  • 50% if the claim arising is a direct result of an unprovoked malicious assault or battery
  • 50% if the claim arising is a direct result of a terrorist act

£10,000 Accidental Death Benefit is not affected by the Special Benefits.

Special Benefits remain the same.
Exclusions

We will not pay benefits if a loss, fracture or death is directly or indirectly due to:

  • war or any warlike activities
  • suicide, attempted suicide or intentional self-inflicted injury
  • flying except whilst travelling on a scheduled aircraft
  • an illness, medical condition, degenerative process or surgical procedure
  • whilst under the influence of excessive alcohol or any drug not prescribed by a Registered Medical Practitioner

No benefit for bodily injury will be payable:

  • if the accident occurs as a direct consequence of war
  • whilst flying other than as a fare-paying passenger
  • if you use drugs other than according to the manufacturer's instructions or taken as prescribed by a Registered Medical Practitioner
  • if you take drugs for the treatment of drug addiction
  • if the accident occurs whilst driving and your alcohol level is above the legal limit
  • if bodily injury is sustained whilst directly involved in an unlawful act

Suicide, attempted suicide or intentional self-inflicted injury and an illness, medical condition, degenerative process or surgical procedure has been moved from the exclusions to form part of the definitions section.

Age Restrictions
Under 18's will receive one-half of the benefits Under 18's will receive one-half of the benefits apart from the accidental death benefit which will remain at £10,000.
Benefits are reduced by one-third once the Insured attains the age of 65 and are limited to an overall maximum (varies on level). There is no age limit.
The accidental death benefit of £10,000 remains the same regardless of age.
Full benefits are paid until age 75, when benefits are reduced by one-third and are limited to an overall maximum. There is no age limit.
The accidental death benefit of £10,000 remains the same regardless of age.
Other
Definitions section included in the policy document and amounts offered are now included as a separate document.
Previous policy Changes made
Benefits
Accidental Death Benefit or Premier Accidental Death Benefit
£25,000 or £50,000 (for the premier cover) to the Estate of the Insured if you die within 6 months of the date of the accident. This is additional to the £10,000 accidental death benefit added to the Disabling Injuries Protection Plan. Accidental death benefit is increased by £5,000 and period extended to cover death within 12 months of the date of the accident. This is additional to the £10,000 accidental death benefit added to the Disabling Injuries Protection Plan.
Continuity Benefit Bonus increases the benefit up to a maximum of 25%. Remains the same but is now referred to as Continuity Benefit Enhancement (now shown under Special Benefits A).

Additional benefits include:

  • £2,500 Funeral Grant
  • £1,000 Memorial Stone Grant
  • £1,000 Bereavement Counselling Grant
  • £5,000 Repatriation Grant
  • £250 Floral Grant
Sum insured has been increased to take these benefits into account, therefore these additional items are removed from the policy.
Special benefits include an extra:
  • 100% if accident occurs whilst riding as a fare-paying passenger
  • 50% if accident sustained on a bank holiday
  • 50% if accident sustained whilst riding as a passenger or driver on a Motorway
  • 50% if the claim arising is a direct result of an unprovoked malicious assault or battery
  • 50% if two or more Insured Persons die as the result of the same accident
  • 50% if the accident is sustained whilst temporarily outside of the UK
  • 50% if the claim arising is a direct result of a terrorist act.

Changes to the special benefits include:

  • Removed increased benefits if two or more Insured Persons die as the result of the same accident.
  • Removed increased benefits if the accident is sustained whilst temporarily outside of the UK.
Increased Fracture Benefits or Double Increased Fracture Benefits
Multiplies the fracture benefits on the Disabling Injuries Protection Plan by 10 times or by 20 times for the double cover No change to the policy but it is now incorporated in the main policy document rather than being a separate policy document.
Exclusions

We will not pay benefits if fracture or death is directly or indirectly due to:

  • war or any warlike activities
  • suicide, attempted suicide or intentional self-inflicted injury
  • flying except whilst travelling on a scheduled aircraft
  • an illness, medical condition, degenerative process or surgical procedure
  • whilst under the influence of excessive alcohol or any drug not prescribed by a Registered Medical Practitioner

No benefit for bodily injury will be payable:

  • if the accident occurs as a direct consequence of the war
  • whilst flying other than as a fare-paying passenger
  • if you use drugs other than according to the manufacturer's instructions or taken as prescribed by a Registered Medical Practitioner
  • if you take drugs for the treatment of drug addiction
  • if the accident occurs whilst driving and your alcohol level is above the legal limit
  • if bodily injury is sustained whilst directly involved in an unlawful act

Suicide, attempted suicide or intentional self-inflicted injury and an illness, medical condition, degenerative process or surgical procedure has been moved from the exclusions to form part of the definitions section.

Age Restrictions
Under 18's will receive one-half of the benefits No Change
Benefits are reduced by one-third once the Insured attains the age of 65 Full benefits are paid until age 75, when benefits are reduced by a third. There is no age limit.
Other
Incorporated into the main policy document and definitions included within the policy document
Previous policy Changes made
Benefits
£3,000 cash sum on first time diagnosis of cancer £10,000 for a cancer at a new primary site for cancers as defined in nos. 3 – 7 in the policy document. New benefit of £1,000 for carcinoma in situ other than the breast and skin cancer other than a malignant melanoma (items 1-2). £50 a day hospitalisation as a direct result of cancer diagnosis (max of 100 days)

Additional Benefits include:

  • £50 a day hospitalisation for treatment or sugery for cancer (up to £5,000)
  • one fixed payment per Insured Person in respect of invasive surgery listed
  • one payment per Insured Person of £500 for chemotherapy
  • one payment per Insured Person of £250 for radiotherapy
  • reimbursement of up to £500 for cancer counselling
  • reimbursement of £500 of the cost of a donation to a Registered Hospice
  • if two or more Insured Persons are diagnosed within 1 year of each other, then the benefits will be paid equivalent to the total of one year's premiums
  • £2,500 for the fitting of a prosthetic limb
  • reimbursement of £250 for cosmetic aids
  • single payment of £50 per year for screening
Hospitalisation benefit is included above. Other additional benefits are removed and included in the increased sum insured for diagnosis.
Continuity Benefit Bonus increases the benefit up to a maximum of 25%. Remains the same but is now referred to as Continuity Benefit Enhancement (now shown under Special Benefits).

Special benefits include:

  • if child under 15 is diagnosed with cancer, the minimum benefit will be doubled
  • if Insured Person donates a kidney or bone marrow to another Insured Person who is diagnosed with cancer, the benefit will be doubled
  • if under the age 45 and diagnosed with either prostate cancer, uterine cancer or spinal cord cancer the benefit will increase by 50%
  • if diagnosed with either cancer of the heart, adrenal gland or gall bladder the benefit will increase by 50%
Special Benefits are no longer applicable.
(Continuity Benefit Enhancement is now shown under Special Benefits).
Exclusions

We will not pay benefits for the following:

  • cancer is diagnosed prior to the effective date
  • if an Insured Person is diagnosed with cancer within 12 months of the effective date, the plan will be cancelled and a refund of any premiums paid will be made
  • all tumours which are histologically described as pre-malignant, non-invasive or cancer in situ
  • all tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least TNM classification T2N0M0
  • all forms of lymphoma and Kaposi's sarcoma in the presence of HIV/AIDS
  • any skin cancer other than invasive malignant melanoma
  • any cancer diagnosed after death

Changes to the exclusions are:

  • if you are diagnosed as having cancer within 90 days of the effective date
  • if you get medical advice, have symptoms or tests, or receive any medication or treatment for cancer within 90 days of the effective date
  • 90 days exclusions do not apply to hospitalisation benefit.
  • for the cancer for which you are claiming, if you have been diagnosed with the same cancer before the effective date
  • for any tumours which are histologically described as pre-malignant or in relation to cancers 2, 3, 4, 5 and 7 non-invasive
  • if at any time you were diagnosed with cancer you had aids or you are or have been tested "sero-postive" to HIV
  • if a diagnosis is made by an Insured Person or member of their family
Age Restrictions
Benefits are reduced by one-third once the Insured attains the age of 65 and ceases on their 70th birthday. Full benefits are paid right up to age 70 when the policy ceases.
Other
Definitions section included in the policy document and amounts offered are now included as a separate document.
Previous policy Changes made
Benefits
Pays a fixed amount for each day of covered hospitalisation exceeding 24 hours. Benefits are paid at the rate of £10 per day or a minimum payment of £50 for the whole hospital stay whichever is the greater. Maximum benefit payable is an overall of £5,000 per Insured Person. Benefits remain the same
Other benefits include:
  • £150 or due daily rate if a person is insured for more than 10 months gives birth and confined to hospital
  • £150 or due daily rate if an insured is injured as a result of a RTA, victim of battery, arson, mugging, kidnap, civil disturbance, shooting, bombing, hijack or whilst participating in a sporting activity.
  • If the policyholder and one or more Insured covered under the plan, are injured and confined to hospital during the same period, the benefits are doubled.
  • If an Insured Person is confined to hospital whilst temporarily outside of the UK, the benefits are doubled.
    In addition to the overall maximum benefit of £5,000:
  • £7,500 dismemberment benefit as a result of bodily injury
  • above dismemberment benefit is doubled if sustained whilst travelling as a fare paying passenger
Other benefits remain the same apart from the wording on point three which has changed to allow any two or more Insured Persons.
Exclusions
Benefits shall not be payable for hospital confinement arising as a result of:
  • Accident, illness or sickness directly or indirectly caused as a consequence of war or warlike activities
  • Childbirth or pregnancy or any consequence thereof (only for first 10 months)
  • Mental disorder and AIDS will be paid for the first four weeks confinement in hospital after the cover has been continuously in force for 24 months
  • Being under the influence of alcohol or drugs unless prescribed by a Registered Medical Practitioner
Changes to the exclusions include:
  • Amended the wording for drugs exclusion to exclude use of drugs other than according to manufacturer's instructions or taken as prescribed by a Registered Medical Practitioner.
  • Added if you take drugs for the treatment of drug addiction.
  • Changed under the influence of alcohol to if you are in hospital due to the effects of alcohol or if your blood/urine alcohol level is above the legal limit
  • Added if hospitalisation is due to bodily injury sustained whilst directly involved in an unlawful act
For any pre-existing illness, sickness or weakness, benefits become payable for hospital confinement after the policy has been in force continuously for twenty four months. Remains the same
Hospital facilities excluded under the plan include long term nursing unit, a geriatric, extended care, convalescent, rehabilitative or hospice facility. Hospital facilities excluded under the plan include a long-term nursing home, a rehabilitation centre, an old people's or convalescence home or an extended-care facility
Age Restrictions
Benefits are reduced by one-third once the Insured attains the age of 65 (daily rate £6.67), except the minimum benefit of £50. Overall maximum for 65's and over is £3,333.34. There is no age limit. Full benefits are paid until age 75, when benefits are reduced by a third except the minimum benefit of £50. Overall maximum for 75s and over is £3,333.34. There is no age limit.
Other
Definitions section included in the policy document and amounts offered are now included as a separate document.
Previous policy Changes made
Benefits
Pays a fixed amount for each day of covered hospitalisation exceeding 24 hours. Benefits are paid at the rate of £10 per day or a minimum payment of £50 for the whole hospital stay whichever is the greater. Maximum benefit payable is an overall of £5,000 per Insured Person. 
Benefits remain the same
Other benefits include:
  • £150 or due daily rate if a person is insured for more than 10 months gives birth and confined to hospital
  • £150 or due daily rate if an insured is injured as a result of a RTA, victim of battery, arson, mugging, kidnap, civil disturbance, shooting, bombing, hijack or whilst participating in a sporting activity.
  • If the policyholder and one or more Insured covered under the plan, are injured and confined to hospital during the same period, the benefits are doubled.
  • If an Insured Person is confined to hospital whilst temporarily outside of the UK, the benefits are doubled.
    In addition to the overall maximum benefit of £5,000:
  • £7,500 dismemberment benefit as a result of bodily injury
  • above dismemberment benefit is doubled if sustained whilst travelling as a fare paying passenger
Other benefits remain the same apart from the wording on point three which has changed to allow any two or more Insured Persons.
Exclusions
Benefits shall not be payable for hospital confinement arising as a result of:
  • Accident, illness or sickness directly or indirectly caused as a consequence of war or warlike activities
  • Childbirth or pregnancy or any consequence thereof (only for first 10 months)
  • Mental disorder and AIDS will be paid for the first four weeks confinement in hospital after the cover has been continuously in force for 24 months
  • Being under the influence of alcohol or drugs unless prescribed by a Registered Medical Practitioner
Changes to the exclusions include:
  • Amended the wording for drugs exclusion to exclude use of drugs other than according to manufacturer's instructions or taken as prescribed by a Registered Medical Practitioner.
  • Added if you take drugs for the treatment of drug addiction.
  • Changed under the influence of alcohol to if you are in hospital due to the effects of alcohol or if your blood/urine alcohol level is above the legal limit
  • Added if hospitalisation is due to bodily injury sustained whilst directly involved in an unlawful act
For any pre-existing illness, sickness or weakness, benefits become payable for hospital confinement after the policy has been in force continuously for twenty four months. Remains the same
Hospital facilities excluded under the plan include long term nursing unit, a geriatric, extended care, convalescent, rehabilitative or hospice facility. Hospital facilities excluded under the plan include a long-term nursing home, a rehabilitation centre, an old people's or convalescence home or an extended-care facility
Age Restrictions
Benefits are reduced by one-third once the Insured attains the age of 65 (daily rate £6.67), except the minimum benefit of £50. Overall maximum for 65's and over is £3,333.34. There is no age limit. Full benefits are paid until age 75, when benefits are reduced by a third except the minimum benefit of £50. Overall maximum for 75s and over is £3,333.34. There is no age limit.
Other
Definitions section included in the policy document and amounts offered are now included as a separate document.
Previous policy Changes made
Age Restrictions
Benefits are reduced by one-third once the Insured attains the age of 65. Age limitation at 65 is now increased to 75
Policy Document Changes
All endorsements and Hospital Cash Plan products now covered under various policy documents. All endorsements and Hospital Cash Plan products now covered under one policy document.
Increased Benefits
Pays an additional £15 (£10 if over 65) for each day of covered hospitalisation exceeding 24 hours or a minimum payment of £50 for the whole stay whichever is the greater - up to £450 (£300 if over 65) per month (pro rata per day). This endorsement increases the maximum benefit payable by £5,000 (£3,333.34 if over 65) per Insured Person. No change
After-Hospital Benefits
An additional £10 for the same number of days as the hospital confinement (does not increase the overall maximum under the Triple Hospital Plan). No change
Budget Benefits
Pays an additional £2.50 (£1.66 if over 65) for each day of covered hospitalisation exceeding 24 hours or a minimum payment of £20 for the whole stay whichever is the greater - up to £75 (£50 if over 65) per month (pro rata per day). This endorsement increases the maximum benefit payable by £500 (£333.34 if over 65) per Insured Person. No change
Preferred Benefits
Pays an additional £5 (£3.34 if over 65) for each day of covered hospitalisation exceeding 24 hours or a minimum payment of £25 for the whole stay whichever is the greater - up to £150 (£100 if over 65) per month (pro rata per day). This endorsement increases the maximum benefit payable by £1,500 (£1,000 if over 65) per Insured Person. No change
Surgical Benefits and Surgical Supplement
Benefits are claimable for operations and fractures listed in the schedule whether hospitalised or not. Additional benefits are claimable for dismemberment as a result of an accident. Does not affect the overall maximum under the Triple Hospital Plan. No change
Exclusions for Endorsements
If you are hospitalised as the result of a pre-existing medical condition within the first two years of the effective date, we will pay the minimum benefit only. After the policy has been in force for more than two years, the daily hospital benefits specified are paid or the minimum benefit, whichever is the greater.

The Endorsements are subject otherwise to all the terms and conditions to which it is attached.
No change
Benefits
Definitions section included in the policy document and amounts offered are now included as a separate document. No change