WHAT IS PERSONAL ACCIDENT?
Personal Accident insurance provides set Monetary Benefits which are paid to an Insured Person following an insured Injury.
The main purpose of Personal Accident insurance is to assist with any financial difficulties encountered by an Injured Person due solely to the injury suffered. Personal Accident insurance does not provide any cover for “pain and suffering “.
Personal Accident insurance differs from Liability insurance in that the Monetary Benefits are paid in the event of an accident resulting in Bodily Injury, regardless of any negligence.
The cover arranged is operative whilst participating, practising and training in conjunction with any NAKMAS endorsed activity, providing the member holds a valid NAKMAS individual licence/insurance slip. Cover extends to include travelling to and from any venue for these purposes.
DETAILS OF COVER:
Details of cover Benefit Amount
1. Accidental Death £25,000
reducing to £5,000 for persons aged under 16, reducing to £15,000 for persons aged 65 to 84
2. Loss of Eyes/Limbs/Speech or
Hearing in both ears £30,000
3. Permanent Total Disablement £30,000
4. Temporary Total Disablement £100 per week for Instructors/assistant instructors
reducing to £50 per week for Students
reducing to £15 per week for Unemployed persons
excludes first 21 days. 52 weeks maximum benefit period
5. Hospital Accommodation £20 per day for expenses incurred. Excludes first 7 days. 25 days maximum benefit period
6. Dental Up to £500 for non national health treatments. Excludes first £50
7. Miscarriage Up to £1,000 “non provided for” medical expenses in respect of accidental miscarriage of premature child birth within the first 26 weeks of pregnancy
Cover is automatically provided for all NAKMAS members between 4 and 84 years of age. Junior members aged between 4 and 15 years of age inclusive are covered for reduced benefits. Senior members between 65 and 84 years of age are not covered for loss of speech or loss of hearing in both ears.
The following may assist you in understanding definitions used in the details of cover section.
•Permanent Total Disablement - Total and Permanent disablement which prevents an insured Person from engaging in their usual occupation
•Temporary Total Disablement - Disablement which entirely prevents an Insured Person from performing each and every duty of their Usual Occupation
Cover enhancements are detailed below:
•Death benefit increased from £20,000 to £25,000
•Deferment period reduced from 28 days to 21 days.
•Additional covers for hospital accommodation, dental and miscarriage as defined below
Hospital Accommodation: Actual “non provided for” Hospital Accommodation expenses incurred following injury. £20 per day up to a maximum of 25 days, excluding the first 7 days.
Miscarriage: Actual “non provided for” Medical Expenses incurred following accidental miscarriage of premature child birth up to a maximum of 26 weeks of pregnancy subject to Martial Art participation not being against medical advice a benefit of up to £1,000.
Dental: Non National Health medical expenses incurred subject to a £50 excess. Maximum claim £500. Cover is for sound whole teeth only and only applies for the difference between any private health insurance rebate and actual cost incurred by you the claimant.
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