Personal Accident Insurance (PAI) is an insurance policy that covers bodily injury caused by accidents that occur in one's private life. Contrary to auto accidents or occupational accidents at work/travel, the financial consequences of such accidents in life are not covered by compulsory social protection schemes or your other insurance contracts. Because you will need to pay for unexpected expenses, such as buying medical equipment or modifying your home, and because you must maintain your standard of living and continue to assume your family responsibilities, Barclays can offer Personal Accident Insurance: this is the only real solution to protect you and your family financially
Any private individual from 18 to 65 years old inclusive.
The insured and the individuals in his/her family listed in the contract (under the family plan). The insured can be:
None when taking out the policy
*Cover of accidents responsible for bodily injury or fatality even without a third-party being liable that occur during the term of the policy, in France, in Monaco, in Andorra, in the territories of the Member States of the European Union, in Iceland, in Lichtenstein, in Norway, in San Marino, in Switzerland, and in the Vatican or in the rest of the world during travel lasting less than three months.
*Under the terms, conditions, and limits of the contract..
In the event of permanent disability equal to or great than 5% or 30% depending on the coverage obtained (Comfort or Reference), PAI covers the following injuries/losses :
In the event of death, PAI indemnifies the following losses:
The compensation cap is 1 million euros per insured and per accident.
Compensation is always settled minus the benefits paid by social agencies. It takes into account the real situation of the insured (age, gender, revenues, family situation, etc.) and is therefore not a pre-calculated flat rate at the time coverage is obtained.
* Under the terms, conditions, and limits of the contract.
* The assistance services are only available in the event of an accident covered by PAI. Under the terms, conditions, and limits of the contract.
|Reference solution||Comfort solution|
|Purposes||Essential cover to insure life's most serious accidents.||Extended protection to cover life's less serious accidents..|
|Degree of disability||As of 30%.
Example: a paralyzed leg.
|As of 5%.
Example: loss of a finger.
|Maximum lump sum benefit||€1,000,000|
|Age limit for contracting the policy||65 years old for the lifetime disability benefit (no age limit in the term covered)|
|Monthly premium for:
A single person
|Funeral expenses||Cover up to a limit of €5,000|