Personal Accident Insurance
Any person who is self employed should not be without the benefit of a Personal Accident Plan – If you are out of work as a result of an accident will your income continue?
What is Personal Accident?
Personal accident is a type cover that is designed to provide you with an Income and/or Capital Sum in the event of an accident preventing you being able to work.
We have designed a simple package below that will suit most occupations – Even if your occupation is an excluded one please call us as we will probably be able to quote you an alternative package. You’ll find that premiums are really good value for those occupations that qualify and a fraction of the premiums you’d pay if you purchased through the usual channels.
The covers on this plan are summarized below:
| 1. Accidental Death |
€125,000 |
| 2. Loss |
|
| 2.1 Permanent Disabling Injuries |
€125,000 |
| 2.2. Loss of one or more limbs |
€125,000 |
| 2.3 Loss of sight in one or both eyes |
€125,000 |
| 2.4 Loss of hearing in both ears |
€125,000 |
| 2.5 Loss of hearing in one ear |
€31,250 |
| 2.6 Total loss of use of |
|
| Back or spine below the neck with no damage to the spinal cord |
€25,000 |
| Neck or cervical spine with no damage to the spinal cord |
€18,750 |
| Shoulder elbow or wrist |
€15,600 |
| Hip, knee or ankle |
€12,500 |
| 2.7 Total loss of: |
|
| 1. A shoulder, elbow or wrist |
€31,250 |
| 2. A hip, knee or ankle |
€25,000 |
| 3. A thumb |
€31,250 |
| 4. A forefinger |
€25,000 |
| 5. Any other finger |
€12,500 |
| 6. A big toe |
€18,750 |
| 7. Any other toe |
€6,250 |
| 3. Temporary Total Disablement |
|
| 1 week deferment, payable up to 104 weeks max €500 per week or 75% of Gross weekly wage, whatever is the lesser |
€500 per week |
| 4. Hospital Confinement |
|
| Payable up to 26 weeks max |
€250 per week |
Benefits for any Permanent Disabling Injury not noted above will be calculated on a Medical assessment by Insurers of the degree of the disability relative to this scale. No Account shall be taken of the Insured Person’s occupation. Remember that in respect of the Weekly benefit section you will need to be having an earned income of at least 125% OF THE WEEKLY BENEFIT SHOWN – Refer to policy for full details of terms and exclusions.
Above is a summary of covers only and for full policy terms limits conditions you need refer to the policy document – a specimen which you can
download here
What does all that cost ?
For those that qualify
the cost for all the above is......................
only €323.00
Premium includes Admin
fee €30.00
To be able to avail of this very special offer you need be able to answer yes to the following statement:
I am not in one of the following excluded occupations or industries
- Abattoirs and Slaughter
Houses;
- Aircrew;
- Agricultural and Horticultural
Work;
- Construction;
- Farming and Fish Farming;
- Foresters / Sawmills;
- Foundry / Steelworkers;
- Media;
- Mining;
- Off-shore work - unless
this is incidental to the company's main trade;
- Police, Fire and Ambulance
Services;
- Professional Sportspeople
and Entertainers;
- Trawler Men/Women;
- Taxi
- Haulier
- Buthcer
I am over eighteen years of age and under age sixty five.
I confirm that my I have not previously held this type of insurance where any year's policy losses (settled or outstanding claims) have exceeded 50% of the annual premium for any of the last three years.
I understand that Personal Accident policy is subject to terms and conditions and these have been available to me to view on the Burke Insurances Website.
Interested ?
To purchase you need to
download
a Proposal form – Sign and date
it and send it to us with your cheque for €323.00 and we’ll
put you on cover. Just remember you won’t be on cover ‘till we confirm
it to you!