PAX has been the major provider of Personal Accident Insurance to HM Regular
Armed Forces since 1989 and almost 58,000 members are currently protected
by the Plan - that’s around one in four of all regular service personnel.

Some advantages of the Plan:

Tax-free cash payouts to spend as you choose *

24-hour cover – worldwide – on and off duty

Cover for sporting injuries

Payments for permanent disability, death or certain critical illnesses are
paid on top of any other compensation or insurance

Personal Accident Insurance is payable regardless of who is at fault for
an accident

and

You can choose the amount of cover to suit your needs

You can take out cover for your wife, husband or partner for the same benefits (except for Legal Protection Insurance and the Medical Second Opinion Service which is available to members and ex-members of HM Regular Armed Forces and HM Reserved Forces only)

Your children are covered free of charge under the Family plan. Children
of single parents are covered free of charge under the Individual plan (children are not covered for Legal Protection Insurance and the Medical Second Opinion Service)

Your cover can be continued under XPAX, at very competitive rates,
when you leave HM Regular Armed Forces.
 


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† AIG Europe commissioned Defaqto Ltd to conduct an independent analysis of Personal Accident policies available to members of HM Regular Armed Forces in July 2005, and Defaqto confirmed PAX as the market leading product. Defaqto is the UK's pre-eminent supplier
of highest quality research and analysis in the financial market.

* The death benefit is payable free of tax. Once we have paid the benefit it may become part of the deceased's estate and be subject to inheritance tax.