Personal Injury, Medical, Dental & Travel Expenses Insurance
(The full terms and conditions may be found in the Group Policy Document.)
Here is a summary of the cover provided by The Scout Association Personal Injury, Medical, Dental & Travel Expenses Insurance Group Policy which is underwritten by ACE European Group Limited - whose main business is general insurance, which is registered in England Number 1112892, Head Office 100 Leadenhall Street, London, EC3A 3BP and which is authorised and regulated by the Financial Services Authority, registration number FRN202803.
Persons Insured
The policy covers all members of the Scout Association whose units are situated in the United Kingdom (including Scotland) as recorded at Headquarters, members of Scoutlink Clubs, prospective members including those attending authorised “Scoutreach” activities and members of British Scout Units in foreign countries. Where cover has been arranged with ACE, cover extends to include; adult Supporters and Helpers; non members under the age of 18 years attending &/or participating in the activities of the Group Policyholder; Foreign and Commonwealth Scouts visiting the UK.
Period of Insurance
Cover commences on 1st January 2005 (or, if later, the date cover is arranged with ACE) and continues until 30th November 2005.
Cover operates whilst a Policyholder is participating in organised Scouting activities including travel thereon thereto and therefrom.
Where cover has been arranged for Foreign and Commonwealth Scouts visiting the UK cover applies whilst participating in organised Scouting activities within the United Kingdom including travel between such Policyholder's country of residence and the United Kingdom
Personal Injury Insurance Cover
If, during the effective time whilst the Group Policy is in force, a Policyholder: suffers an accident which causes Bodily Injury; contracts an Illness; or incurs Medical Expenses &/or Travel Expenses &/or Dental Expenses as a result of sustaining Bodily Injury or becoming ill,
ACE will pay the appropriate Benefit(s) up to the amounts shown in the Schedule of Benefits below.
SCHEDULE OF BENEFITS
Benefit Description /Benefit aged
18 to 70 years
/Benefit aged
under 18 years
InjuryAccidental death
Permanent Total Disability
Loss of sight in both eyes,
Total loss of speech
Total loss of hearing in both ears
Loss of one or more limbs
Loss of sight in one eye
A scale of Benefits applies for lesser disabilities
A restricted scale of Benefits applies in respect of Policyholders aged 71 or over.
Temporary Total Disablement resulting from a Bodily Injury
a.£75 per week aged 16 years and over in full time gainful employment or weekly wage whichever is the lesser subject to an Excess of £150 OR
b.£20 per week aged 16 years and over not in full time gainful employment subject to an Excess of £100
Illness
.£75 per week aged 16 years and over in full time gainful employment or weekly wage whichever is the lesser subject to an Excess of £150 OR
2.£20 per week aged 16 years and over not in full time gainful employment subject to an Excess of £100
Medical, Travel & Dental Expenses
1.Medical&/or Travel expenses incurred in respect of Bodily Injury sustained or illness occurring outside of the United Kingdom /the Policyholder's country of residence2.Medical Expenses incurred in respect of Bodily Injury sustained or illness occurring within the United Kingdom/the Policyholder's country of residence subject to the Policyholder using NHS facilities wherever possible.
3.Dental Expenses
Subject to an Excess of £15 / £20,000
£20,000
£20,000
£20,000
£20,000
£20,000
£20,000
Benefit Period 104 weeks
Benefit Period 52 weeks
£25,000 per capita
£10,000 per capita
£5,000 / £3,500
£15,000
£15,000
£15,000
£15,000
£15,000
£15,000
Benefit Period 104 weeks
Benefit Period 52 weeks
£25,000 per capita
£10,000 per capita
£5,000
EXCLUSIONS (See General Exclusions and the Specific Exclusions under each section of the policy document).
Suicide or deliberate self-inflicted injury; aviation as a pilot or crew member, unless as part of organised Scouting Activities, active service in the armed forces; war or any act thereof.
Cancellation Rights
A Policyholder may cancel the insurance in respect of himself/herself alone within 14 days of their commencement date of cover by writing to the Customer Service Manager, ACE Service Centre, Ashdown House, 125 High Street, Crawley, West Sussex, RH10 1DQ, Tel: 01293 726060 ACE may cancel this Policy by giving 14 days written notice to the Group Policyholder at their last known address
CLAIM PROVISIONS
On the happening of any occurrence likely to give rise to a claim under this Policy notice shall be given to the Claims Service Team,ACE Service Centre, Ashdown House, 125 High Street, Crawley, West Sussex, RH10 1DQ within 30 days or as soon as reasonably possible after the date of the occurrence.
COMPLAINTS PROCEDURES
If a Policyholder has a complaint they should contact Scout Insurance Services Ltd or, The Customer Service Manager, ACE Service Centre, Ashdown House, 125 High Street, Crawley, West Sussex, RH10 1DQ, Tel: 01293 726060 Fax:01293 726100. email:
The Financial Ombudsman Service may be approached for assistance if the Policyholder Insured is dissatisfied with the response. Its contact details are:, South Quay Plaza, 183 Marsh Wall, London E14 9SR Tel: 0845 080 1800 Fax: 0207 964 1001 Website:
Email: A leaflet explaining its procedure is available on request.
The existence of these complaints procedures does not affect any right legal action a Policyholder may have against ACE.
FINANCIAL SERVICES COMPENSATION SCHEME
In the unlikely event of ACE being unable to meet its liabilities, the Policyholder may be entitled to compensation under the Financial Services Compensation Scheme. Their contact details are: Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London, E18BN Fax: 020 7892 7301
Code: tsapagrpsum2005(1)