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Loss of speech
£10,000 as a result of total and permanent loss of speech.

Loss of hearing
£10,000 as a result of total and permanent loss of hearing in both ears.

Coma Benefit
Weekly instalment benefit of £2,000, up to a maximum of 104 weeks (£208,000), should the policyholder be admitted and confined to a hospital in a comatose state.

24/7 Counselling and information service helpline
Telephone counselling offering emotional support/advice/practical information when you need it.

£2,000 for every 24-hour period the policyholder is detained due to hijacking if the commencement of detention starts within the policy period and subject to a maximum period of 50 days.

*The payment process will start after the insurers agree on the final value of the claim payment.

Catastrophic Injury
An extra £50,000 payable following quadriplegia, paraplegia or triplegia.

Retraining benefit
If the policyholder suffers permanent total disablement, a payment of 10% of the Total Sum Insured – up to but not exceeding £50,000 is available, with regard to vocational education and training expenses to allow the policyholder the opportunity to undertake an alternative occupation.

The claim must take place within six months of receipt of the permanent total disablement. Relevant paperwork and receipts for such education and training accompany any claim.

Funeral expenses
£10,000 as a contribution to funeral expenses, accompanied with a payment made from a claim under accidental death benefit.


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