The Scout Personal Accident and Medical Cover
Scouts, Be Prepared......because you never know when an accident may strike.
Being prepared is a way of life in Scouting, but sometimes we all need a little help to cope with the unexpected.
That is why we have developed the Personal Accident and Medical Expenses insurance plan for the Scout Movement.
Here is a summary of the cover available from the plan;.
Who is automatically covered?
All members who appear in the annual census, genuine prospective members and all members of Scoutlink clubs.
Who else can be covered?
Those who do not appear in the annual census of members such as helpers, committee members and instructors are not automatically included within the cover arranged by the Association, BUT can be added upon payment of a small additional premium.
When am I covered?
You are covered for an accident which arises whilst you are travelling to, participating in, or travelling home from any authorised Scout activity.
What am I covered for?
Benefits are payable if a member of the Association sustains bodily injury as a result of an accident which results in permanent injury or death. In addition to this, benefits are also provided if a member sustains temporary disability as a result of an accident or illness contracted and diagnosed whilst staying away from home at any organised camp.
Cover is also provided for medical expenses as a result of an accident and cover for up to two relatives or friends who, on medical advice, are required to travel to and remain with the member if they are hospitalised away from home.
Benefits Provided |
Member aged 18 years and over |
Member aged under 18 years |
Accidental Death |
£20,000 |
£3,500 |
Permanent Total Disability |
£20,000 |
£15,000 |
Loss of sight in both eyes, total loss of speech or total loss of hearing in both ears |
£20,000 |
£15,000 |
Loss of one or more limbs |
£20,000 |
£15,000 |
Loss of sight in one eye |
£20,000 |
£15,000 |
Total loss of hearing in one ear |
£4,000 |
£3,000 |
Amputation or total loss of use of: |
||
A foot below the ankle (talo fibular joint) |
£10,000 |
£7,500 |
thumb |
£4,000 |
£3,000 |
a forefinger or big toe |
£3,000 |
£2,250 |
any other finger |
£2,000 |
£1,500 |
any other toe |
£800 |
£600 |
Total loss of use of: |
||
the back or spine below the neck with no damage to the spinal cord |
£8,000 |
£6,000 |
the neck or cervical spine with no |
£6,000 |
£4,500 |
the shoulder, elbow or wrist |
£5,000 |
£3,750 |
the hip, knee or ankle |
£4,000 |
£3,000 |
For permanent disability not listed above, the benefit will be based on a medical assessment of how bad the disability is in relation to the scale and not in relation to the Insured Person's ability to work.
Notes:
(i) The total payment as the result of disabilities arising from one accident shall not exceed £15,000 per member for those aged under 18 and £20,000 for those members aged 18 or over.
(ii) If benefits are payable for loss of use of a whole limb then compensation for parts of that limb cannot also be claimed.
Temporary Total Disablement, Accident and Illness
(i) Aged 16 years and over and in full-time gainful employment, £75 per week or weekly wage, whichever is the lesser, for a total of 104 weeks.
(ii) Aged 16 years and over and not in full-time gainful employment, £20 per week, for a total of 104 weeks.
Note: (i) is subject to an excess of £150 and (ii) an excess of £100.
The benefit period of sickness claims is limited to 52 weeks.
Medical and Travel Expenses
Medical expenses arising as the result of an accident are provided up to £10,000.
Travel and accommodation expenses are provided for two relatives or legal guardian(s) up to £400, accommodation is limited to £75 per night, with the use of private vehicles being reimbursed at 20 pence per mile.
Members are expected to utilise the facilities of the National Health Service (NHS) in the first instance.
Surgical Removal of Clothing
Cover is provided up to £100 for damage to clothing necessitating surgical removal or being stained by blood beyond reasonable recovery.
What am I not covered for?
- Participating in aviation as a pilot or crew member unless as part of an authorised Scout activity.
- Active service in the Armed Forces of any nation, other than members of the Territorial Army Volunteer Reserve, Royal Air-Force Volunteer Reserve, Navy Volunteer Reserve or similar.
- Declared or undeclared war or any act thereof.
- The member committing or attempting to commit suicide, or intentionally inflicting self-injury.
- Loss of earnings.
- Loss of, or damage to personal effects, including spectacles or dentures.
Do all benefits apply to all members?
For all members up to and including 70 years of age the above benefits are available, for those over the age of 70 the benefits have been modified to:
- Accidental Death - £20,000
- Physical severance of a limb £20,000
- Loss of sight in one or both eyes £20,000
- Hospitalisation as an in-patient as the consequence of an accident £10 per day (max 365 days)
What do I do in the event of a claim?
Any accident or illness which occurs during a Scouting activity or in the course of travelling to or from that activity, which requires treatment by a doctor, should be notified within seven days to Unity Insurance Services, whether you feel there is likely to be a claim against this policy or not. Contact us.
For further information, or to request an application pack, please contact us.
An online version of the policy summary, and an application form that can be printed off, filled in, and sent to us at the address in the contact us section are available in our Resources section here.