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When should plan benefits start?

Some policies pay as soon as you have an accident. But this tends to be for minor injuries only. They usually make you wait and wait.

Some will only pay after a set number of weeks. This is most common when the benefit is shown as income rather than a cash sum.

Insurers often wait for weeks or months before paying out for serious accidents, as they do not know for a while if an injury is permanent or temporary.

When should plan benefits end?

Personal accident policies are short-term contracts. They are designed to give immediate help, not to provide an income for life.

Cash benefits are sometimes paid very quickly, but where disability is permanent, you may have to wait months or even years, until insurers know whether or not the problem is temporary or permanent.

For monthly or weekly income benefits they may pay out for 3/6/ 9 or 12 months.  A 24-month period is rare, and longer terms rarer still.

Policies often have age limits beyond which cover is reduced or removed.

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Personal accident insurance guide

  • What is it?
  • Types of policy
  • Cost

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