Accidents happen, are you covered?

Whether you’re serving, training, or off-duty, life can change in an instant. Our Personal Accident Insurance offers financial protection tailored to military life, helping you and your family stay secure when the unexpected happens.

5 levels of benefits

Cash benefits should you suffer serious injury or permanent total disability

No admin fees

Fracture and Hospitalisation

Cover should you need to stay in hospital or break a bone. Restrictions apply

What is insured

The Fatal Injury or Injury section covers you if an insured person suffers bodily injury during the period of insurance that within 2 years (independently of any other cause) results in:

The maximum amount payable (in units):

1 Unit

  • Permanent total disablement up to £30,000
  • Complete loss of sight up to £30,000
  • Loss of speech up to £30,000
  • Loss of hearing up to £30,000
  • Full thickness burns up to £4,800
  • Facial scarring up to £2,000
  • Fractures up to £1,250
  • Hospitalisation – from 5th consecutive night up to 365 nights

2 Units

  • Permanent total disablement up to £60,000
  • Complete loss of sight up to £60,000
  • Loss of speech up to £60,000
  • Loss of hearing up to £60,000
  • Full thickness burns up to £9,600
  • Facial scarring up to £4,000
  • Fractures up to £2,500
  • Hospitalisation – from 5th consecutive night up to 365 nights

3 Units

  • Permanent total disablement up to £90,000
  • Complete loss of sight up to £90,000
  • Loss of speech up to £90,000
  • Loss of hearing up to £90,000
  • Full thickness burns up to £14,400
  • Facial scarring up to £6,000
  • Fractures up to £3,750
  • Hospitalisation – from 5th consecutive night up to 365 nights

4 Units

  • Permanent total disablement up to £120,000
  • Complete loss of sight up to £120,000
  • Loss of speech up to £120,000
  • Loss of hearing up to £120,000
  • Full thickness burns up to £19,200
  • Facial scarring up to £8,000
  • Fractures up to £5,000
  • Hospitalisation – from 5th consecutive night up to 365 nights

5 Units

  • Permanent total disablement up to £150,000
  • Complete loss of sight up to £150,000
  • Loss of speech up to £150,000
  • Loss of hearing up to £150,000
  • Full thickness burns up to £24,000
  • Facial scarring up to £10,000
  • Fractures up to £6,250
  • Hospitalisation – from 5th consecutive night up to 365 nights

What is not insured

The Fatal Injury or Injury section does not cover you for:

  • If the injury was caused by any illness, disease or disorder.
  • Claims whilst being involved in any illegal or irresponsible activities.
  • Any injury that happens while you are under the
    influence of drugs, except those drugs prescribed by a doctor and administered in accordance with the correct dosage amount.
  • If the injury consists solely of illness, disease or disorder or if the injury arises from, is traceable to or is caused by any gradually developing bodily deterioration, whatever the cause of that deterioration.
  • If the injury is sustained by any child under the age of 30 days or after the period of insurance in which he/she attains the age of 18 or 23 if in full time education.
  • If the injury results from participating in professional sports.
  • If the injury results from motorcycling or quad biking any claim shall be limited to 50% of benefit(s).
  • If the injury occurs as a result of the use of or release of any Nuclear Weapon or device or Chemical or Biological agent.
  • There is no cover if the injury arises from suicide attempted, suicide, or is an intentional self-inflicted injury.

Terms & Conditions apply, please check your policy documents for details.

The (not so) small print

Forces Mutual Personal Accident Insurance is arranged and administered by PMGI Limited (trading as Forces Mutual) and is underwritten by SiriusPoint International Insurance Corporation.

Further information is available on the legal page.

Personal Accident Insurance for the Military family

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Policy documents

It’s important you understand all of the Key Information for Forces Mutual Personal Accident Insurance. We recommend you read the below documents including the Insurance Product Information Document (IPID) before you get a quote or buy and keep it in a safe place.

These products are arranged and administered by PMGI Limited trading as Forces Mutual, more information is available on our legal page.

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