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Accident and Fracture Cover

Simply add it on to a Personal Protection plan and get payouts for fractures, accidents and emergency surgery. 

Download the brochure
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We’ll help you get back on your feet  

Some fractures allow you to carry on as normal while they heal. But others can mean missing out on your favourite activities, and even time off work. When you add Accident and Fracture Cover to your clients' personal protection plan, they will get:

  • Payouts for fractures, accidents and emergency surgery 
  • Access to physiotherapy to help speed up your recovery
  • No extra questions about your health or activities


 For only £7.50 a month, you could get a payment of up to £10,000 if you fracture a bone. 

Because fractures aren’t all are the same, how much we pay out depends on where your fracture is and how badly it's fractured.

Key Features 

Protect yourself from life's unexpected falls, get coverage for Accidents and Fractures today

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Fracture Cover 

Up to £10,000 based on where your fracture is and how badly it’s fractured2

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Emergency hospital benefit 

If you have an accident or emergency surgery that leads to a hospital stay of more than 48 hours, we’ll pay out up to £2,0002

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Physiotherapy 

Up to six physiotherapy sessions after each valid claim, online or in-person, to help you recover. 

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How it works 

1.  Add Accident and Fracture Cover for £7.50 a month per person when you buy a Vitality life insurance plan1.

2.  Make a claim with us If you suffer a fracture or need to stay in hospital for more than 48 hours after an accident or  emergency surgery2. 

3. Get a lump sum when the claim is approved.  You could use this to help with costs like childcare or everyday bills.

4.  Get well soon with up to six sessions of physiotherapy after a valid claim. 

Download the brochure

Get additional cover 

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Serious Illness Cover  

Pays out when you're diagnosed with any of up to 174 listed serious illnesses 

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Mortgage Protection  

Pays off your mortgage if you become terminally ill or pass away 

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Income Protection 

Pays out monthly income when you get sick or injured and you can't work 

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Need some advice?

Call us on 0330 678 3328

Or

Request a call back

Call charge information 

Calls to ‘03’ numbers cost no more than a national rate call to an 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.

Sources

  1. One fracture claim, one accident claim and one emergency surgery claim can be made separately, per person, each plan year following admission by an Accident and Emergency department or Urgent Care Centre. 
  2. Minimum premium for Personal Protection Plan applies: £15 per month for single life, £30 per month for joint life.