The basic Premier Plan is a personal accident (PA) policy that includes 21 fracture benefits plus two additional cash benefits – anterior cruciate ligament injury and burns and permanent scarring and aims to protect those with active lifestyles. The plan is available in Bronze, Silver and Gold versions and pays up to £3,000 for a fracture, on a sliding scale based on the type of facture.
To this, the Plus version adds more traditional PA benefits.
The plan is available to UK residents aged 18 to 64, with cover lasting up to age 70. Partners at the same address can also be covered, under a Partner plan, as can children, either under Individual and Children Cover or as part of a Family Cover plan. Children must be under 18 or under 23 if in full-time education.
The Plus version also has Bronze, Silver and Gold options, paying up to £100,000, £150,000 or £200,000 respectively. That sum is only paid out on permanent total disability (PTD) as a result of travelling as a fare paying passenger. In other PTD situations, that benefit is halved.
A schedule sets out what is payable in what situation. So, a Gold Plus plan would pay an adult £100,000 on losing two limbs, £50,000 on loss of sight in one eye, £100 a day hospitalisation benefit and £50,000 on accidental death. On the same plan a fracture of the femur would result in a £3,000 payout, compared to £1,500 for a broken kneecap or £750 for a broken coccyx or metatarsal. A maximum of four fracture payments a year is payable and fractures are subject to an initial 15 day exclusion period. Children’s benefits are lower, at half the adult benefit.
Exclusions include riding on a motorcycle, competing in any race (other than on foot or while swimming), and flying except as a fare paying passenger.
The plan also includes access to the Best Doctors service and discounts at over 20,000 sites and locations in the UK through the April UK Discount Portal.
Premier Plan costs £5.70, £8.41 and £11.21 a month for Bronze, Silver and Gold plans for an individual. For Premier Plus the cost is £10.32, £15.36 and £20.38 a month respectively.
What They Say
Marketing manager Isaac Lam said: “With people leading increasingly active lifestyles and injuries becoming a common occurrence, it has made people have another think about personal protection cover. They see their friends injured on a weekend playing football or rugby, which may hurt their pride and keep them out of the game for a few weeks or months. But the real damage is the financial cost of the injury and how it can leave people seriously out of pocket.”
What We Say
"PA cover is especially valuable to those most likely to hurt themselves in an accident, although the risk of illness damaging finances is often greater, especially as you get older. Those taking the highest risks will probably also find the exclusions list may force them to look at more specialised cover too.
"APRIL UK’s new plan has much to commend it as PA cover, not least the tiered fracture cover and access to Best Doctors and a discount portal. However the big ticket benefit – double the cover for PTD if injured in a public transport accident - begs the question why anyone would need more money in that situation only. Valuable if it happens to you, but in reality, it could be said to be little more than a gimmick."