Fracture Only
A straightforward policy covering bone fractures only. Pays a cash sum based on the bone fractured according to the insurer's schedule. Simple, low-cost supplementary cover.
Fracture cover pays a fixed cash lump sum if you break a bone or suffer a specified serious injury. It is designed to supplement your existing cover and help with costs such as lost income, home adjustments, or additional care during recovery.
Fracture cover is designed to provide a quick cash payment following a fracture or serious injury, helping you cover the immediate costs that arise during recovery.
Policies typically pay different amounts depending on the bone fractured. Major fractures (e.g. femur, hip, pelvis, skull) attract higher payments; minor fractures (e.g. finger, toe) attract lower amounts. The schedule of bones and payments is set out in the policy terms.
Many fracture cover policies also include payments for serious burns, dislocations, and ruptured tendons or ligaments. The scope varies by policy, your adviser will compare what each policy covers.
Some policies include a daily benefit for hospital stays following an accident or fracture, providing additional financial support if you require an extended stay or surgery.
The payment is made directly to you, there are no restrictions on how you use it. It can cover lost income, hire of additional help at home, travel to appointments, or any other expense you face during recovery.
Important: Fracture cover is a supplementary product and is not a substitute for income protection or critical illness cover. Not all injuries are covered, check the policy schedule.
Fracture cover is a supplementary product that works best alongside broader protection. Here are the people who typically benefit most.
Those who regularly participate in sports or physical activities face a higher risk of fractures and musculoskeletal injuries. Fracture cover can provide peace of mind and financial support if an injury occurs.
A fracture that prevents you from working for several weeks could have a significant financial impact if you are self-employed or paid hourly. Fracture cover provides an immediate cash payment while other protection kicks in.
If you already have income protection with a deferred period, fracture cover can bridge the gap during the waiting period. It works as an additional layer alongside, not instead of, comprehensive protection.
Family fracture cover policies extend protection to children. Given how frequently fractures occur in active children, this can provide useful financial support for medical appointments, recovery care, and associated costs.
The list of covered injuries, payment amounts and exclusions vary between insurers. Pre-existing conditions may be excluded. This is a supplementary product only.
We compare fracture cover policies from all major providers to find the most appropriate product for your circumstances.
A straightforward policy covering bone fractures only. Pays a cash sum based on the bone fractured according to the insurer's schedule. Simple, low-cost supplementary cover.
Extended fracture cover including burns, dislocations, and in some cases hospital stays. More comprehensive than fracture-only products, providing broader financial protection for serious injuries.
Combines fracture cover with broader accident insurance. May include coverage for accidental death, permanent disability, and a wider range of injuries beyond fractures alone.
Designed specifically for sports participants. May cover injuries sustained during participation in sport, including contact sports and extreme activities that standard policies may exclude.
Extends fracture cover to the policyholder's children and partner on a single policy. Useful for families where children are active and the risk of fracture is elevated.
Group fracture cover arranged by an employer for employees. Can form part of a broader employee benefits package alongside other group protection products.
Most fracture cover policies cover a defined list of bone fractures, with payment amounts varying by bone. Some policies also cover dislocations, burns, ruptured tendons, and hospital stays. The specific list of covered injuries, definitions, and any exclusions are set out in the policy schedule. Your adviser will explain the differences between policies before making a recommendation.
Payment amounts vary by insurer and by the severity of the fracture. Major fractures, such as a hip or femur, typically attract higher payments than minor fractures such as a finger or toe. The exact payment schedule is set out in the policy terms. Premiums are based on individual circumstances, and your adviser will compare the full market before making a recommendation.
Not if your existing cover has a deferred period before it pays out. For example, if your income protection has a 13-week deferred period, fracture cover can provide an immediate cash payment to bridge that gap. It is a supplementary product designed to sit alongside rather than replace income protection or critical illness cover.
Claims are typically straightforward. You will need to provide confirmation of the fracture from a medical professional, usually an X-ray report or hospital discharge letter. The insurer will assess the claim against the policy's injury schedule and pay the relevant amount directly to you. Your adviser will help you understand the claims process for the specific policy you take out.
Some standard fracture cover policies exclude injuries sustained during contact sports. There are specialist sports fracture cover products designed for those who participate in rugby, martial arts, and similar activities. Your adviser will identify the most appropriate policy for your specific sporting activities and risk profile.
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