What is insured?
Cover applies during the operative time shown in the policy schedule
Accidental death
Sum Insured: €75,000
Additional cover included with core coverage
 Disappearance
If after a suitable time period, it is reasonable to believe the insured person has died from bodily injury caused by an accident.
Sum insured: €75,000
Children’s bonus:
Increase to the amount paid for accidental death by 5% for each child of the insured person, up to 10% of the sum insured for accidental death
Funeral costs
Costs for funeral and cremation costs in the case of an accident with results in death
Sum Insured: up to €5,000
Life-saver bonus
Accidental death of a person who is not an insured person, who sustains bodily injury resulting in death while trying to save the life of an insured person. Sum insured: €25,000
Permanent Total Disablement Sum Insured: €75,000
Accident Medical Expenses Benefit Sum Insured: €3,500
Accidental Damage to Teeth Sum Insured: €3,500
What is not insured?
The following are the key exclusions. Each optional additional cover will have its own terms and conditions.
 War whether declared or not
 Intentional self-injury, suicide or attempted suicide
 Criminal acts or attempts to commit criminal act
 Flying except while travelling as a commercial passenger
 An accident occurred due to the influence of alcohol and/or drugs and not prescribed by a medical practitioner or where prescribed drugs have been taken contrary to manufacturer’s instructions.
 Sickness unless as a result of bodily injury
 Post-traumatic stress disorder or psychological or
psychiatric illness or condition
 Any naturally occurring condition or degenerative disease or gradually operating cause
 Bodily injury contributed to by participating in, practising or training for any hazardous or professional sport except where listed in the policy schedule as a covered activity.