Injury Protect

Injury Protect - Medical Recovery Insurance for Motor Accidents

Injury Protect is an annually renewable insurance policy which pays cash benefits should you have a motor accident and require an emergency medical procedure. Benefits are designed to alleviate the out of pocket costs (e.g. time off work, travel, child care) of undergoing a medical procedure.
 

Injury Protect benefits are based on the normal recovery time of your operation, so that the longer the normal recovery time the greater the benefit will be that you will receive.
 

The policy will also reimburse you for emergency dental procedures following a motor accident.

About Injury Protect

Benefits under personal accident bolt-on plans tend to include standard personal accident benefits (accidental death, loss of sight and PTD) which respond only to catastrophic injuries with relatively low limits.

Car accidents can cause a variety of serious personal injuries and death. Most people hurt in a car crash suffer impact injuries, from slamming into a part of the vehicle upon colliding with another vehicle or object or by being hit by unsecured cargo that becomes airborne in a crash.

 

Other common car accident injuries are cuts and tear injuries from broken glass and torn metal. In a rollover accident, a car’s occupant can be tossed around and injured from all directions or can even be ejected from the vehicle.
 

The head, neck, chest, pelvis, abdomen, legs (which includes knees) and feet are the parts of the body most likely to be injured in a motor vehicle collision, according to National Highway Traffic Safety Administration (NHTSA). 


It is these “non-covered” incidents that Injury Protect is uniquely positioned to cover using its proprietary benefit schedule which pays cash benefits according to normal recovery times.

Policy Benefits

Emergency Operations following a Motor Accident

Injury Protect provides budgets of money designed to alleviate the out of pocket costs (e.g. time off work, travel, child care) of undergoing a medical procedure.

  • Cash benefits are paid according to the normal expected recovery time of a medical procedure, based on research and consensus guidelines from leading occupational health experts. with higher benefits paid for longer recovery times.

 

Band

Level 1

Level 2

Level 3

Level 4

Medical procedures which have a recovery and return to light manual work in a few days.

£250

£500

£750

£1,000

Medical procedures which have a recovery and return to light manual work in around two to three weeks.

£1,000

£2,000

£3,000

£5,000

Medical procedures which have a recovery and return to light manual work in around one to two months.

£2,500

£5,000

£7,500

£10,000

Medical procedures which have a prolonged recovery.

£5,000

£10,000

£15,000

£20,000

 

You can find a full list of the covered medical procedures and their classifications in your policy document.

Emergency Dental Services following a Motor Accident

Should you have a motor accident which causes damage to the teeth and/or gums, and results from a direct external impact, we will pay for the costs of dental repair treatment up to the amount shown in your policy document per motor accident.

Band

Level 1

Level 2

Level 3

Level 4

Damage to the teeth and/or gums which results from a direct external impact as a direct result of a motor accident.

Up to
£1,000

Up to £2,000

Up to £3,000

Up to
£5,000