NEW Accident & Fracture Cover: the latest addition to our market-leading suite of protection products
Each year, more than one and a half million people visit A&E with a fracture and almost four million go because of an accident in the UK1 - each event can impact your client's finances and their ability to work. That's why we're adding cover for accidents and fractures.
By introducing a pioneering severity-based approach to risk, we gave members broader access to protection2 when we launched Serious Illness Cover in 2007.
Accident and Fracture Cover, our latest innovation, is set to redefine industry standards once again, by providing market-leading payouts for fractures, unique cover for accidents and emergencies alongside complimentary access to physiotherapy to help your clients recover.
Three reasons to recommend Accident & Fracture Cover
1
Market-leading cover for your client that pays out up to
Bone fractures covered
Severity-based cover aligns payout to lifestyle impact of fracture
2
Unique payouts for accidents and emergency surgery
For accidents requiring hospital stays of 48 hours or more +
If emergency surgery is required which leads to hospital stays of 48 hours or more
Payable after an accident or emergency surgery requiring hospital admission of over 48 hours, hospital administration must be through Accident and Emergency or Urgent Care.
3
Automatic access to physiotherapy on every claim
All claimants can get up to six sessions of virtual or in-person physiotherapy to help them recover
Minimum premiums for Accident and Fracture Cover
Single Life
Joint Lives
Cover that goes further
“Our new Accident and Fracture Cover provides market-leading protection for fractures and emergency hospital stays, plus access to physiotherapy to help your clients recover. Its unique design based on fracture location and severity means you can be confident you’re recommending clients the most comprehensive cover with the highest payouts available.”
- Justin Taurog, CEO, VitalityLife
1 Hospital Accident and Emergency Activity: National Report Tables, NHS England, 2023 2 More conditions covered than any other provider, Defaqto-verified Serious Illness Cover comparison tool, 2025
