This insurance is available to adults, who:

• are aged between 18 and 59
• are residents of the United Kingdom
• work in an occupation which is not on our Declined Occupation List (See exclusion 15 in the section What Is Not Covered)

and children, who:

• Are unmarried and aged under 18 years (23 years if in full-time education)
• A child must be a UK resident to be eligible for cover but does not have to live at home

Providing you pay a premium each month, the term of the Certificate will continue until the earlier of the following:

• your 69th birthday;
• payment of accidental total permanent disablement benefit in respect of you;
• you are no longer a UK resident;
• your death;
• you change your occupation to one of the Declined Occupations (See exclusion 15 in the section What Is Not Covered); or
• cover is not continued by Us after Your annual review date.

Your Partners’ cover, if insured, will continue until the earlier of The date your cover terminates; their 69th birthday; payment of accidental total permanent disablement benefit in respect of them; they are no longer a UK resident; their death; or they change their occupation to one of the Declined Occupations.

Cover for a child starts on the Certificate start date, and will normally extend to (and stop on) the earlier of the child’s 18th birthday (or 23rd birthday if in full time education); the event of the child’s marriage; the payment of total permanent disablement benefit in respect of you or the child; you or the child ceasing to be a UK resident; your 69th birthday; or your or the child’s death.

If you do not pay the premium your Certificate will cease without value.

If you wish to notify us of a claim simply contact our authorised representative:

Van Ameyde UK Limited
34 The Mall
Bromley
Kent, BR1 1TS
Telephone Number: +44 (0) 20 8315 0701
E-mail: adjusters@vanameyde.com

You will be sent a claim form for completion and return by You as soon as You can. The claim will need to be supported by a Qualified Practitioner in the United Kingdom.

For the purpose of assessing and verifying the claim and before We agree a claim, We may require the Insured person to undergo a medical examination (including a post-mortem), which would be at Our expense, when and as often as We may reasonably request.

Family Accident Insurance does not cover any claim caused in whole or in part by, or resulting from, or in any way connected with the following:

1. A claim or potential claim or event, accident, incident or circumstance that has or may result in a claim that is made later than twenty-four (24) consecutive months after the event, accident, incident or circumstance;
2. Sickness or disease. This exclusion does not apply if the claim is for:
   • hospitalisation benefit and the Certificate has been in force for more than 12 months;
   • eligible child Cancer benefit; or
   • death by a non-Accidental cause and the Certificate has been in force for more than 12 months;
3. Your or an insured person’s psychiatric illness, depression, mental or nervous disorders, or stress-related conditions;
4. Your or an insured person’s repetitive stress or repetitive strain or syndrome; or any gradually occurring cause;
5. For any Major broken bone or Minor  broken bone claim relating to osteoporosis, brittle bone disease, osteoarthritis or other degenerative bone disorder, or for any injury to the nose or teeth;
6. Your or an insured person’s unreasonable failure to follow medical advice;
7. Actual or attempted Suicide or intentional self-inflicted injury;
8. Your or an insured person’s active participation in an actual or attempted illegal act;
9. War, or the actual or threatened use of pathogenic or poisonous biological or chemical materials by any person(s), committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public or any section of the public in fear;
10. Nuclear reaction, nuclear radiation or radioactive contamination;
11. Any claim occurring in Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iran, Iraq, Israel (West Bank and Gaza Strip), Libya, Mali, Nigeria, North Korea, Somalia, Sudan, South Sudan, Syria and Yemen;
12. Any form of aerial flight other than as a fare paying passenger, the participation in contests of speed, mountaineering or rock climbing needing ropes or guides, pot holing, professional sports, or commercial diving;
13. Your or an insured person’s alcohol or solvent abuse, or drug taking (unless taken as prescribed by a registered medical practitioner and not for the treatment of drug addiction);
14. Any form of military, naval or air force service;
15. You or the Insured person working a Declined Occupation ( These occupations are namely agricultural worker; farm labourer or fruit picker; member of the armed forces; asbestos worker; coal miner; motorcycle courier; professional diver; demolition worker; any user of explosives; unskilled labourer or any unskilled construction site worker; oil or gas driller, worker and rigger; quarry worker; pneumatic driller; professional sportsperson; tunneller. );
16. Hospitalisation claims:
    • for an operation that an Insured person or the Eligible Child’s parent(s) or Legal Guardian choose to have done, which may not be essential to continuation or quality of life other than the voluntary donation of one or more of Your organs to Your parent(s), sibling(s) (including legally adopted siblings and step-siblings) or children (including legally adopted children and step-children);
    • for stays in a Hospital that is not a UK hospital; or
    • in respect of an Eligible Child for any condition existing at birth regardless of cause.
    (Important note: There is no cover for Hospitalisation as a result of sickness which occurs during the first 12 months of cover)
17. If Optional Child Protection has been selected this Certificate does not cover any claim for Cancer caused in whole or in part by, resulting or in any way connected with, the following if the Eligible Child:
    • has been diagnosed as having any Cancer prior to the Certificate start date;
    • is diagnosed as having any Cancer and the Certificate has been in force for less than 90 days;
    • has any tests or investigations during the first 90 days the Certificate has been in force which subsequently lead to the diagnosis of Cancer; or
    • has any tests or investigations prior to the Certificate start date which subsequently lead to the diagnosis of Cancer after the Certificate start date.