Personal accident and medical
expenses policy
Download this
page as a PDF
Benefits are
reviewed annually and details are published on this page. The
policy covers members and persons acting on behalf of the
Association while attending any recognised guiding activity
including travel to and from the activity. (Click here to see the A-Z of Activities.)
The policy provides benefits in the event
of:
- death
- permanent total disablement
- loss of limbs
- temporary total disablement
- loss of sight.
It also includes:
- medical expenses incurred arising out of an accident
- private medical expenses only if treatment is not available on
the NHS and with the Insurer's prior consent
- professional counselling in the event of a serious
accident
- emergency bandaging and prescription charges up to a maximum of
£35
- travel and incidental expenses up to a limit of £500
- personal effects and clothing if damaged as a result of an
accident.
Theft of money is not covered.
Please note that personal effects, clothing and money
should be covered under a Travel policy or Household
policy.
Benefits following death are restricted for persons aged 75 and
over.
Individual travel cover should be arranged for any trips abroad
and any higher benefits required should be taken out
personally.
This policy does not cover incidental expenses such as
cancellation of holidays, child-minding expenses or illness.
Dental treatment arising from an accident is provided subject to
prior consent by Insurers and with professional reports from a
dentist. There is a maximum sum payable under this section.
Claims under the Personal Accident policy must be made within a
12-month period. There is no excess under this policy.
There is an excess under this policy of £25 increasing to £50
for persons under age ten in respect of medical expenses.
Do not admit liability or discuss who's fault the
accident was.
Notification of an
accident
If an injury, illness or medical condition needs
medical/hospital treatment during a guiding activity or on
Girlguiding UK property, the Leader must immediately complete a
Notification of Accident or
Incident form and report the details to:
When do I need to complete
this form?
If you have been the Leader of a Guiding activity/meeting/event
where someone or property has been injured or damaged.
Page last updated:
5/8/2012