Personal Accident Insurance
A Safety Net for Everyday Life
An accident can stop your income without warning. Crux helps you choose a benefit that keeps you and your family steady.
Which accident cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | Accident benefit | Accident medical | Hospital cash |
|---|---|---|---|
| Pays a lump sum for accidental death | |||
| Pays for permanent disability | |||
| Pays hospital and treatment bills after an accident | |||
| Pays cash for each day in hospital |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your accident cover ?
Accidental death benefit
If you die because of an accident, your beneficiaries receive the benefit amount you chose, to help your family replace lost income.
Permanent disability
If an accident leaves you permanently disabled, the plan pays a lump sum, in full or in part depending on how severe the disability is.
Medical expenses after an accident
Pays hospital bills, surgery, medicine and rehabilitation that come from the accident, up to the limit in your plan.
Daily hospital allowance
A fixed amount for each day you spend in hospital because of an accident, up to the number of days in your plan. It is cash for everyday needs while you recover.
Where it applies
On the road, at work or at home. What counts as an accident, and any activity the plan excludes, is written in the policy wording.
Your beneficiaries
You name who receives the benefit. Keep the names up to date when your family changes.
Three reasons to have accident cover
A fall, a road accident or an injury at work can stop your income overnight.
If you are the earner, a disability affects everyone who relies on you.
Self-employed people and business owners have no employer sick pay or disability benefit to fall back on.
If you need to claim
After an accident you should be able to focus on getting better. These steps keep the claim simple, and Crux stays with you.
Choose it once, with a person behind it
Crux helps you choose the benefit, name your beneficiaries and keep the policy up to date, and stays with you if a claim is ever needed.
First step
Get treated, then tell your advisor
Your health comes first. Then message Crux, and we explain what the insurer will ask for.
Second step
Gather the records
Medical reports, receipts and, where relevant, a police or incident report. We tell you exactly which ones.
Third step
Follow the claim together
We help submit the claim and follow it with you until the decision.
Consult our recommended guides
Short, plain answers to the questions people ask before they buy.
- Read the guide
Motorcycle insurance
CTPL, comprehensive cover and what riders need.
- Read the guide
Income protection
The covers that keep your household going if your income stops.
- Read the guide
Health and critical illness
Cover for hospital bills and serious illness.
- Read the guide
Travel insurance
Accident and medical cover for trips, often taken with this plan.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Personal accident cover pays a benefit after an accident. It is not a health plan.
- Illness. It covers accidents, not sickness.
- Injuries you cause yourself on purpose.
- Hazardous sports and activities, unless the plan includes them.
- Accidents linked to alcohol or drugs.
- War and similar events.
- The full cost of every medical bill. The benefit is set by the plan.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about personal accident cover.
A benefit set by your plan after an accidental injury or accidental death. Some plans also help with medical costs from the accident.
People who commute, ride, work with their hands or lead active lives, and anyone who wants a low-cost extra layer next to health and life cover.
Many plans can include family members. Ask an advisor for the options.
No. Health insurance covers illness and hospital bills. Personal accident cover pays a benefit after an accident.
Life insurance pays if you die from any covered cause. Personal accident cover pays after an accident, including injury, not only death.
It can add cover for injury, which a life policy alone may not pay. An advisor can show what you already have.
Personal accident
Stay protected when life gets in the way.
Tell a licensed advisor what you do every day, and they will show which benefit to look at first.