What does the PAX Personal Accident and Optional Life Insurance Plan cover?

As a member of HM Regular Armed Forces, the career you have chosen carries some risk.
This, along with risks associated with everyday life, is why the PAX Personal Accident and Optional Life Insurance Plan may be suitable for you - whatever your age, rank, occupation
or personal circumstances. NRPS and FTR staff may also join PAX. There are two main parts
of the Plan:

Personal Accident Insurance …
Which provides financial support following accidental death or permanent disability. Also included are:

Personal Liability Cover

Legal Protection Insurance
(members of HM Regular Armed Forces only)

Medical Second Opinion Service
(members and ex-members of HM Regular Armed Forces and HM Reserve Forces only).


Optional Life Insurance extension …
Which provides payment following death from natural causes. Also included are:

Accelerated Terminal Illness cover

Critical Illness cover following heart attack, cancer or stroke.


Choose what you need
The Plan works on a simple ‘unit’ system. You can buy from 1 to 15 units of cover for you and your family. Each unit gives a fixed amount of cover. To make things even simpler, monthly premiums are taken directly from your pay.

The PAX Personal Accident and Optional Life Insurance Plan is provided by AIG Europe, a member company of American International Group, Inc. (AIG) – one of the world’s largest international insurance and financial services organisations.


† 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.

Through a competitive process the Ministry of Defence chose Aon Risk Services to appoint a provider of Personal Accident and Optional Life Insurance to members of HM Regular Armed Forces and their families
and Aon Risk Services selected AIG Europe to provide this insurance. Aon Risk Services is part of Aon
Limited which is authorised and regulated by the Financial Services Authority in respect of insurance
mediation activities only. Aon Limited's FSA register number is 310451.

It is your decision whether or not to take out this insurance. The Ministry of Defence cannot accept liability
for any insurance you take out.