Hoci Cymru Personal Accident

Two men playing hockey one with red socks one with light blue socks

Personal Accident

This coverage offers financial protection in the event of accidental injury or death while participating in hockey activities. It includes benefits such as medical expenses, dental treatment, disability compensation, and accidental death benefits.

There are two categories of insured persons:

Category A - any coaches, players or officials of the Insured aged 18 years or older.

Category B - youth players of the Insured aged 17 years old or younger.

Category A

 BenefitAmount
 1, Death£20,000
 2, Loss of two or more limbs or eyes or one of each  £20,000
 3, Loss of one limb or one eye  £20,000
 4, Permanent and total loss of speech25% of above
 

5, Permanent and total loss of hearing  

i) in both ears    ii) in one ears  

£20,000
 6, Permanent total disablement from gainful employment for which the insured is fitted by way of training education  or experience£250 per week
 7, Temporary total disablement from the insured person’s regular gainful employment£125 per week
 8, Temporary partial disablement from at least 50% of the insured person’s regular gainful employment£20,000

Payment period
Benefits 5 and 6 are payable per week for a maximum of 104 weeks in all not necessarily consecutive.

Deferment period 
Benefits 5 and 6 are  not payable for the first 14 days of any Period of Disablement.

Category B

 BenefitAmount
 1, Death£20,000
 2, Loss of two or more limbs or eyes or one of each  £20,000
 3, Loss of one limb or one eye  £20,000
 4, Permanent and total loss of speech25% of above
 

5, Permanent and total loss of hearing  

i) in both ears    ii) in one ears  

£20,000
 6, Permanent total disablement from gainful employment for which the insured is fitted by way of training education  or experienceNot insured
 7, Temporary total disablement from the insured person’s regular gainful employmentNot insured
 8, Temporary partial disablement from at least 50% of the insured person’s regular gainful employment£20,000

Payment period
Benefits 5 and 6 are payable per week for a maximum of nil weeks in all not necessarily consecutive.

Deferment period
Benefits 5 and 6 are not payable for the first nil days of any period of disablement.

Special extensions / endorsements

The following special extensions shall be payable subject to the maximum incident limit (and inner limits where applicable) as detailed in the schedule.

Accident medical expensesUp to £15,000 any one insured person
Bereavement counsellingUp to £250 per week up to a maximum £5,000 any one insured person
Broken bonesUp to £1,000 any one insured person
Coma benefit£50 per full 24 hours up to a maximum of 104 weeks any one insured person
Convalescence£200 per insured person reduced to £100 if insured person is aged over 70 years of age
CounsellingUp to £250 per week up to a maximum £5,000 any one insured person
Dental expensesUp to £1,000 per insured person any one accident
Dependents benefitAdditional 5% per child up to a maximum 25% of benefit 1 subject to a minimum £5,000
Facial disfigurementUp to a maximum of £5,000  any one insured person
Funeral expensesUp to a maximum £10,000 any one insured person
Hospitalisation£50 per full 24 hours up to a maximum of 104 weeks any one insured person

Paralysis 

A: total loss of use of all four limbs bladder and rectum

B: total loss of use of two legs bladder and rectum

 

£50,000

£25,000

Physiotherapy or osteopathy treatmentUp to £500 per insured person

Ligament Damage Benefit

If during the operative time and whilst participating in the insured sport the insured person sustains bodily injury following an accident which within two years is the sole and independent cause of a tear to one or more of the following and that results in reconstructive surgery the company will pay the sum of £500.  

Knee Ligaments:  

A: Anterior Cruciate Ligament (ACL)  

B: Posterior Cruciate Ligament (PCL)  

C: Lateral Collateral Ligament (LCL)  

D: Medial Collateral Ligament (MCL)  

Ankle Ligaments:  

A: Deltoid Ligament (Medial Ligament of the Talocrural Joint)  

B: Anterior Talofibular Ligament (ATFL)  

C: Posterior Talofibular Ligament (PTFL)  

D: Calcaneofibular Ligament (CFL)  

E: Ankle Syndesmosis (Syndesmotic Tear)  

Cover only applies to insured persons whilst playing or training or taking part in any match or official training session at any ground or premises where the national team has arranged a fixture, official training session or practice session.

 

Retraining 

If an insured person sustains bodily injury caused by an accident which within two years is the sole and independent cause of an insured person suffering permanent total disablement from an insured person’s usual occupation for which the benefit is paid We will pay reasonable expenses incurred with our prior written consent in retraining an insured person for an alternative occupation either with You or elsewhere up to a maximum of £15,000. 

Relocation Expenses

If an insured person sustains bodily injury caused by an accident or contracts illness which within 26 weeks is the sole and independent cause of disablement for which we have paid items 2 to 4 of the schedule.

We will pay necessary expenses incurred with our prior written consent for stamp duty payments, solicitors and estate agents’ fees and removal costs incurred as a direct and necessary result of an insured person having to relocate as a direct result of the disablement suffered. The maximum we will pay is up to £25,000 any one insured person subject to there not being any claim paid under the disability assistance extension.

This is a summary of cover only. Please refer to your policy schedule and wording for full information, conditions and details or please contact us  on +44 (0) 2920 031 980 or email [email protected].

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