| There are 10 levels of cover available each referred to as units. Each unit provides an amount of cover and the more units you have the greater the benefits you can receive. |
Section A – Catastrophic Injuries |
| Quadriplegia |
€130,000 for the first unit, thereafter €65,000 per unit up to a maximum of €650,000 |
| Paraplegia |
€65,000 for the first unit, thereafter €32,500 per unit up to a maximum of €325,000 |
Section B – Permanent Disabilities (Per Unit) |
| Permanent total disablement from paid work of any kind |
€25,000 |
| Permanent total loss of sight in both eyes |
€25,000 |
| Permanent total loss of both hands or both feet |
€25,000 |
| Permanent total loss of sight in one eye |
€12,000 |
| Permanent loss of one hand or one foot |
€12,000 |
| Permanent total loss of hearing |
In both ears |
€12,000 |
| In one ear |
€6,000 |
| Permanent total loss of four fingers |
€6,000 |
| Permanent total loss of a thumb |
Both joints |
€6,000 |
| One joint |
€3,000 |
| Permanent total loss of each finger |
Two or more joints |
€1,200 |
| One joint |
€600 |
| Permanent total loss of toes on either foot |
All toes-one foot |
€6,000 |
| Big toe-both joints |
€2,500 |
| Big toe-one joint |
€600 |
| Any other than big toe |
€600 |
| Complete fusion of the spinal column |
€12,000 |
| Any other permanent disability not listed above, based on a medical assessment, relative to the scale up to a maximum of |
€24,000 |
Section C – Accidental Death (Per Unit) |
| Adult –spouse or partner |
€25,000 |
| Child – irrespective of number of units purchased |
€9,500 |
Section D – Burns (Per Unit) |
| Full thickness burns which cover: |
| 27% or more of body surface |
€6,000 |
| 18% or more but less than 27% of body surface |
€5,000 |
| 9% or more but less than 18% of body surface |
€4,000 |
| 4.5% or more but less than 9% of body surface |
€2,000 |
Section E – Fractures (Per Fracture Per Unit) |
| Fracture(s) to the elbow, wrist, or one or more bones of the arm (humerus, radius and ulna) |
€100 |
| Fracture(s) to the ankle or one or more bones of the leg (femur, patella, tibia and fibula) |
€200 |
Section F – Hospitalisation (Per Week Per Unit) |
| Payable on the number of nights spent as an in-patient, up to a maximum of 52 weeks. |
€125 |
| The benefits for each over-night stay will be one seventh of the sum of any one accident insured |
|
Section G – Convalescence (Per Week Per Unit) |
| Payable for a maximum of 4 weeks immediately after seven nights stay in hospital. The benefit payable for each day will be one seventh of the sum insured: |
| Adult – spouse / partner |
€60 |
| Child |
€30 |
|
