1. finance
2. personal finance
3. insurance

WHAT IS XPAX?
XPAX is a suite of insurance covers provided in one policy
specifically designed for ex members of HM Armed Forces.
In theatre, on leave or enjoying life after military service, you are
likely to be the person who gets a little more out of life. This is
where XPAX can help. Whether on manoeuvres, at work or out
enjoying life, XPAX can give you the confidence to do the things
you want to do knowing you’ve got something to fall back on.
And XPAX can be extended to include financial protection for
your partner and children too, so don’t hold back.
LIVE LIFE
FULL ON.
CUS TO M ER
S ERV ICE H EL PL INE
020 8662 8102 (UK)
+44 20 8662 8102 (OVERSEAS)
BECAUSE FORMER SERVICE PERSONNEL
SHOW GREAT FORM
PAX– 24/7 WORLDWIDE
COVER
In this brochure you’ll find all
you need to know about how
XPAX can provide money to
help you as a former member
of HM Armed Forces. The
insurance is split into 4 parts:
Part 1 – Personal Accident
• cover if you are injured in an
accident, or
• you die as a result of an
accident whilst on or off duty,
and
• cover is 24 hours a day, 365
days a year and whilst you
are anywhere in the world.
Part 2 – Personal Liability
• if you injure someone else
or damage their property
in an accident and you are
legally liable, the amount you
are required to pay them in
compensation and any legal
defence costs.
Part 3 – An Optional part –
Life & Critical Illness
Insurance
• if you die of natural causes or
are diagnosed as terminally
ill, or you are diagnosed
with cancer - excluding less
advanced cases, or suffer a
heart attack - of specified
severity, or stroke - resulting
in permanent symptoms.
Part 4 – Legal Protection
(for former members of HM
Armed Forces only)
• if you are injured by someone
else and you need to take
legal action against them for
compensation.
We also include a telephone
helpline service, where you
can obtain a second opinion
on any medical diagnosis or a
proposed course of treatment.
Of course the insurance cover
has limits on how much we will
pay and what we will pay for
and you should read the rest of
this brochure and the enclosed
Policy booklet for details of the
cover provided.
XPAX COVER IS QUICK AND EASY TO
ARRANGE AND CHANGE
YOU SELECT THE
AMOUNT OF COVER
YOU NEED
The cover provided under the
Personal Accident section is
broken down into units. You
can choose from 1 to 15 units
depending on your own needs
or your budget. The more units
you have the higher the cash
benefits available to you.†
You can also add the XPAX
Optional Life & Critical Illness
Insurance cover; however the
number of units will be the same
as that selected for the Personal
Accident insurance and the plan
type - i.e. individual or family.
XPAX Optional Life & Critical
Illness Insurance is not available
without purchasing the Personal
Accident insurance and is
subject to medical acceptance.
YOU CHOOSE WHO
YOU WANT TO INSURE
Insure yourself only or include
your partner and children, it’s up
to you.
• Individual Plan covers you
and, if you are a single parent,
covers your children as well for
no additional charge
• Family Plan covers you, your
partner and your children
including legally adopted and
step-children.
Your children are covered until
their 18th birthday, or their 23rd
birthday if they are in full-time
education
There are some limitations
to the amount we will pay
for Injuries to your children,
dependent on their age. Please
refer to the enclosed Policy
booklet for details.
PAYMENT OF
PREMIUMS
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SE RV IC E HE LP LI NE
020 8662 8102 (UK)
+44 20 8662 8102 (OVERSEAS)
The premium is payable
monthly, the amount is
dependent on the number of
units you choose, if you also
include XPAX Optional Life
Insurance cover and if you
include your family.
The premium will be deducted
from your bank account via
Direct Debits on the first day of
each month.
The premium is the same for
whatever job you do, even if
you return for a short spell of
active duty, you won’t pay more.
Check out the Pricing Table in
the Policy booklet enclosed to
see just how affordable XPAX
can be, but remember if you
do not select the Optional Life
& Critical Illness Insurance
cover, death by natural causes,
diagnosis of a terminal illness
or the specified critical
illnesses will not be covered.
YOU CONTROL
YOUR COVER
To buy XPAX, complete the
Application Form enclosed
(including the DD mandate)
with the cover you have
chosen and send it to us in the
envelope provided. You can
change the amount of cover
you require, add or remove
your partner, or cancel at any
time. There is no minimum
contract period and no
administration charge. Please
see the What Next section
at the end of this booklet for
further details.
†
The benefit in the event of
death is paid tax-free to the
deceased person’s estate,
which then may be subject
to inheritance tax.
OUR BEST COVER – SUPPORTING THE
ARMED FORCES FOR OVER 20 YEARS
Important kit for everyone who
understands the risks they face as a
former member of HM Armed Forces.
XPAX Personal Accident Insurance
provides financial support if you are killed,
injured or permanently disabled. Full
details are included in the Policy booklet.
ALL ROUND
PROTECTION
XPAX Personal Accident Insurance provides you with tax-free†
cash payments for a range of injuries dependent on their severity
including payments for catastrophic and paralysing injuries,
permanent disabilities**, fractures, burns, or flesh wounds.
And, just so you are sure,
you’re covered for war and
terrorist injuries – on or off
duty, plus injuries caused by
nuclear, chemical biological and
radiological attacks - giving you
our best ever cover.
XPAX also pays cash if you are hospitalised following an injury and
a lump sum payment to your estate† if you suffer a fatal accident.
The table opposite gives some examples of the amounts payable
dependent on the number of units selected. For a full description
of all the covered injuries and amounts payable, please refer to
the Table of Benefits under Part One - Personal Accident in the
enclosed Policy booklet.
XPAX Personal Accident
Insurance doesn’t just cover you
whilst you are on duty, it also
covers you when you are off
duty whether on leave, playing
sports, on the road and in and
around your home or anywhere
else in the world.
WHAT’S NOT COVERED
• Death by suicide
• Intentional self inflicted injury,
suicide or attempted suicide
• Fractures resulting from
osteoporosis you knew about
before the injury happened
• Certain criminal injuries
• War, whether declared or not,
between the USA, France, the
UK and any member State of
the Russian Federation
For a full description of what’s
covered and what isn’t please read
Part One (Personal Accident) of
the Terms & Conditions section in
the enclosed Policy booklet.
EXAMPLES OF PERSONAL ACCIDENT
INSURANCE COVER
UNITS
PERMANENT DISABILITY**
FATALITY†
1
£20,000 max benefit
£10,000 max benefit
5
£100,000 max benefit
£50,000 max benefit
10
£200,000 max benefit
£100,000 max benefit
15
£300,000 max benefit
£150,000 max benefit
** Not all permanent disabilities are listed in the policy booklet but are included under item 15; the amount payable is dependent
on the degree of disability as a percentage of the whole body.
†
The death benefit is paid tax-free to the deceased person’s estate, which then may be subject to inheritance tax.
XPAX PERSONAL ACCIDENT INSURANCE
EXTRA BENEFITS
As well as providing
cover for accidental
bodily injury, XPAX
Personal Accident
Insurance comes
with a number of
additional benefits
to help protect and
assist you. And
they all come as
standard, regardless
of how many units
of cover you choose.
Full details are
included in the
Policy booklet.
LEGAL PROTECTION
INSURANCE
XPAX includes a Legal
Advice Helpline, giving you
advice including your rights,
your prospects of receiving
compensation and ways of
paying for any action needed
to claim for compensation
within the laws of England,
Wales, Scotland and Northern
Ireland.
Simply call the XPAX Customer
Service Helpline and ask for
the Legal Advice Helpline
number. You’re also covered
for legal fees and expenses
up to £100,000 to help make
CUS TO M E R
S E RV IC E HE LP LI NE
020 8662 8102 (UK)
+44 20 8662 8102 (OVERSEAS)
a claim against someone who
has injured you, no matter how
many units have been bought.
XPAX does not include this
cover for your family. If you
have selected the family cover
option and your partner or
spouse is also employed by HM
Armed Forces, they can also
benefit.
WHAT’S NOT COVERED
The cover is subject to some
limitations and exclusions, the
main ones are that there is no
cover for
• fines or other penalties,
• Medical negligence or drug
related claims.
You can find full cover details
including what’s covered and
what isn’t in Part Four (Legal
Protection) of the Terms &
Conditions section in the
enclosed Policy booklet
PERSONAL LIABILITY
INSURANCE
If you’re off duty and you
are found legally liable for
accidentally injuring another
person, or losing or damaging
their property, XPAX Personal
Liability Insurance will pay up
to £500,000 for each claim
for damages you have to pay,
irrespective of the number of
units purchased. We’ll also pay
your costs and expenses
relating to the claim if they
have been previously agreed in
writing by us.
XPAX includes this cover for
your family if you have selected
the family cover option.
WHAT’S NOT COVERED
The Personal Liability cover is
subject to some limitations and
exclusions, the main ones are
that there is no cover for:
• War, rebellion or revolution,
riot or civil commotion,
• Any deliberate act by you,
• Injury arising out of you
using or owning firearms
or mechanically powered
vehicles, aircraft or watercraft,
• Loss, injury or damage for
which you must have insurance
under Road Traffic legislation
• Injury, damage or loss you
maliciously, recklessly or
intentionally caused, or
resulting from a crime in
which you have taken part
• You carrying out your duties
with HM Regular Armed
Forces or another occupation.
See the full cover details and
what’s not included in Part
Two (Personal Liability) of the
Terms & Conditions section in
the enclosed Policy booklet.
SECOND OPINION
MEDICAL SERVICE
(for former members of
HM Armed Forces only)
If you’re concerned about
the diagnosis or course of
treatment recommended
by your doctor or medical
consultant, we’ll provide free
access to some of the world’s
top medical specialists who
can discuss the diagnosis and
treatment, and may suggest
alternatives. The Second
Opinion Medical Service is
available for any medical
condition, not just those
covered by XPAX.
You can access this service
through the XPAX Customer
Service Helpline.
XPAX OPTIONAL LIFE &
CRITICAL ILLNESS INSURANCE –
VALUABLE COVER
You know better than most that some
things just can’t be avoided - however well
prepared you may be. That’s why many
service men and women choose to extend
their cover to include the XPAX Optional
Life & Critical Illness Insurance. Full details
are included in the Policy booklet.
This cover is only available if you take out XPAX Personal
Accident Insurance
The Optional Life & Critical Illness Insurance cover allows you to
extend XPAX to include death by natural causes, the diagnosis of a
terminal illness or a covered critical illness - heart attack - of specified
severity, cancer - excluding less advanced cases or stroke - resulting
in permanent symptoms. The amount payable is dependent on the
number of Personal Accident Units purchased.
The table opposite gives some examples of the amounts payable
dependent on the number of units selected. For a full description of
the cover, please refer to Part Three - Optional Life & Critical Illness
Insurance in the enclosed Policy booklet.
NO MEDICAL REQUIRED
No medical examination is necessary. If you choose this option
you just need to be able to truthfully answer ‘no’ to the two health
questions detailed on the enrolment certificate and sign the
health declaration - your cover
is then automatic. If you can’t
answer ‘no’ or you’ve got any
questions, just give the XPAX
Customer Service Helpline a
call on 0208 662 8102 for help
and advice on what cover can
be given.
Please see the What Next
section at the end of this booklet
for further application details.
COVER FOR YOU AND
YOUR FAMILY
Your level of XPAX Optional Life
& Critical Illness Insurance cover
will be the same as the number
of XPAX Personal Accident
Insurance units you’ve chosen.
If you’ve chosen the Family plan,
your partner and children will
also be insured (your children will
be insured under the Individual
plan if you’re a single parent).
XPAX OPTIONAL LIFE &
CRITICAL ILLNESS INSURANCE COVER
XPAX OPTIONAL LIFE
& CRITICAL ILLNESS
INSURANCE OFFERS
COVER FOR:
Death by Natural Causes
Death which is not caused by
an accident.
Terminal Illness cover
In the event of terminal illness
diagnosis of an advanced or
rapidly progressing illness
where, in the opinion of an
attending consultant and
our Chief Medical Officer, life
expectancy is no greater than
12 months, we will pay the full
death benefit.
Critical Illness cover
£4,000 will be paid for each
unit of cover if you are
diagnosed with:
• cancer – excluding less
advanced cases
• a heart attack – of specified
severity
• a stroke – resulting in
permanent symptoms
(Please refer to the Policy
definitions applicable to the
Optional Life & Critical Illness
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+44 20 8662 8102 (OVERSEAS)
insurance for a full description
of what is covered for these
conditions.)
Limitations
There are some limitations to
the cover, dependent on the
circumstances, the key ones
are as follows:
The maximum we will pay for
children aged over 28 days to
16 years old is £7,500 for death
and £3,000 for a specified
covered critical illness, no
matter how many units have
been bought. There is no cover
for children under 28 days old.
Once a critical illness benefit
has been paid for an insured
person, no further critical
illness benefit is payable in
respect of the same insured
person.
If you cancel the cover there is
no return premium or amount
payable as a surrender value.
WHAT’S NOT COVERED
Under the Optional Life &
Critical Illness Insurance there
are some things not covered.
The key exclusions are:
• Death by suicide within 12
months of the policy starting
• Accidental death (as this is
covered under Part One
Personal Accident)
• Children under 28 days old
• A critical illness which
is not a heart attack - of
specified severity, cancer
- excluding less advanced
cases or a stroke - resulting in
permanent symptoms.
See the full cover details and
what’s not included in Part
Three (Optional Life & Critical
Illness Insurance) of the Terms
& Conditions section in the
enclosed Policy booklet.
WHO WE PAY
In the event of a claim for
death, we will pay the legal
personal representative or
executor acting on behalf
of the deceased person.
Otherwise we will pay the
benefit to the insured person
unless they are a child under
18 years of age when we will
pay one of the parents insured
by XPAX or we will pay their
legal guardian.
EXAMPLES OF OPTIONAL LIFE &
CRITICAL ILLNESS INSURANCE COVER
UNITS
DEATH/TERMINAL ILLNESS
CRITICAL ILLNESS
1
£10,000 max benefit
£4,000 max benefit
5
£50,000 max benefit
£20,000 max benefit
10
£100,000 max benefit
£40,000 max benefit
15
£150,000 max benefit
£60,000 max benefit
WHAT NEXT?
To get you and your family protected and living life full on with confidence,
follow these simple instructions. Please make sure that you have read
and understood the Policy terms and conditions prior to completing the
Application Form.
GETTING COVERED
For XPAX Personal
Accident Insurance
• Select the number of units
you want
Call the XPAX Customer
Services Helpline on 0208
662 8102 if you answer
`yes’ to one or both of the
declaration questions. You
may be asked to complete a
Health Questionnaire to help
us decide whether we can
offer Life cover. This will not
affect the decision regarding
Personal Accident cover.
• Read, sign and date the
Application Form and
complete the Direct Debit
mandate
Premium payments will be
taken on the 1st day each
month until you tell us to stop
your cover.
TO INCLUDE XPAX
OPTIONAL LIFE INSURANCE
CHANGING AND
STOPPING YOUR COVER
Fill in Personal Accident and
Life Insurance section (instead
of the Personal Accident only
section)
With XPAX, you’re always in
control. So, you can apply to
change your cover at any time
to suit your needs. Simply call
the Customer Services Helpline
to apply to reduce, stop or, within
limits, increase your cover.
• Fill in the Application Form
Personal Accident Insurance
only section
• Choose either the Individual
or Family plan
• Choose either the Individual
or Family plan and select the
number of unit’s worth of
cover that you want
• Read, sign and date the Life
Insurance Declaration if
you can answer `no’ to the
declaration questions.
Use the envelope provided
to send in the completed
application form and DD
mandate. Direct Debits can
only be taken from UK based
bank accounts. Keep your copy
of the form together with the
Policy booklet as evidence of
your cover.
C US TO M E R
SE RV ICE HE LP LI NE
020 8662 8102 (UK)
+44 20 8662 8102 (OVERSEAS)
MAKING A CLAIM
As soon as you think you
may have a claim, contact
the XPAX Customer Service
Helpline on 0208 662 8102
(from the UK or +44 20 8662
8102 (from overseas) and
request a claim form.
WHAT ARE THE
DOCUMENTS IN THE
BACK?
1. Application Form
You’ll need to fill this short
form out to buy XPAX Personal
Accident Insurance (and
Optional Life Insurance).
2. Policy booklet
This document contains the
following items.
• Pricing Table
A full list of the XPAX
Personal Accident Insurance
and Optional Life Insurance
premiums (monthly prices).
• Policy Summary
An overview of the key
features of our insurance.
Remember, these are NOT part
of the Terms & Conditions, they
are to give you an overview
of the key features and
limitations of the cover.
• Terms & Conditions
This sets out exactly what you
can expect from the insurance
you’re buying. You must agree
to these Terms & Conditions
before buying XPAX Personal
Accident and Optional Life
Insurance, so it’s important you
read these through carefully.
3. Key facts
Information about our
insurance services.
If any of these documents are
missing, please call the XPAX
Customer Service Helpline on
0208 662 8102 (UK) +44 20
8662 8102 (OVERSEAS).