Executive Personal Accident & Sickness Insurance

Qdos Executive Personal Accident & Sickness Insurance provides a lump sum payment in the event of an insured person suffering accidental death, or monthly payments in the event of an insured person being unable to work through their disablement (accident or sickness).

Up to three insured persons may be included under this policy and cover may be extended to include accidental death of an insured person's partner or spouse.

You may take out this policy if you are a Limited Company, Limited Liability Partnership or Public Limited Company with a registered address within the United Kingdom and you may insure any person employed by you under this policy provided they are over 18 years old at the start of the policy and will be under 65 years old at the end date of the policy.

Monthly premiums

Qdos Executive Personal Accident & Sickness Insurance is a monthly policy. As a policyholder, your premiums would be payable on a monthly basis and you would remain insured as long as you continue to pay the monthly premium and adhere to the policy terms and conditions (see below).

Please note that if you fail to keep up to date with payment of your monthly premiums your cover may be invalid in the event of a claim.

Your monthly premium will be reviewed at least annually, at which point it may be increased, decreased or left at its original level. We will provide at least 30 days written notice in advance of any changes. If you are not happy with the change to your monthly premium, you may cancel your policy with effect from the date the change is proposed to be introduced by writing to us.

Important note

It is important to note that any claim arising from a pre-existing condition will not be covered by the Executive Personal Accident & Sickness policy. We recommend that you read the full policy wording and summary of cover for all policy terms and conditions.

Benefits

1. Accidental Death: £25,000 
2. Accidental Death of Insured Person’s partner (optional): £25,000 
3. Disability (Accident or Sickness): various limits available from £1,000 to £3,000 per month with maximum 12 month benefit period and 30 day excess period

Offshore Cover Extension

As standard the Executive Personal Accident & Sickness Insurance policy excludes any claim resulting from work carried out offshore, such as on an oil rig or in certain high risk locations around the world.

For additional premium the policy may be extended to provide cover for up to 28 days work offshore in any 365 day rolling period. This is available for ‘white collar’ workers only and explicitly excludes riggers or other physical work on oil or gas installations.

Cover is global including work on oil or gas installations at sea, but excludes transit risk between the UK and the place of work (other than by motor vehicle).

Please refer to the policy wording for further details.

Statement of Demands & Needs

It is important that before deciding to purchase a Qdos product you consider whether the insurance is appropriate for you.

You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Summary of Cover (Key Facts) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions.

Please note that you are basing your purchase solely on your own interpretation of the information we have provided.

Click to view Summary of Cover document

Click to view specimen Policy Wording

How much does it cost?

Premium per insured person
Monthly benefit	Monthly premium (incl IPT)
£1,000	£25.27
£1,500	£35.52
£2,000	£45.78
£2,500	£56.04
£3,000	£66.29

Additional premium for offshore cover per insured person
Monthly benefit	Monthly premium (incl IPT)
£1,000	£16.89
£1,500	£25.34
£2,000	£33.79
£2,500	£56.04
£3,000	£66.29

Additional premium for accidental death of partner extension
Monthly benefit	Monthly premium (incl IPT)
N/A	£4.76

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