What is the Personal Accident Plan?

Get cash benefits from fractures and serious accidents

We all believe ‘it will never happen to me’ but I'm sure you are aware of someone who has suffered a serious accident – either at work, in a car or at home. Just ask yourself...what would happen if you suffered a serious injury?

It’s likely you’ll need to take some time off work to recover, which could hit your earnings. And then there are other financial costs - perhaps you’ll need to make changes around the house or other expensive lifestyle changes. Let’s not forget the inconvenience and disruption to your life and those around you either.

This is why the Hive Personal Accident Plan could prove invaluable. It pays out a lump sum benefit if you suffer a specified injury. With up to €100,000 of benefits on the Premier Plus Plan, it means if you suffer an accident you can concentrate on getting better without having to worry about money.

Personal Accident Plan highlights

What's included?

The Hive Personal Accident Plan is available with 2 levels of cover - Premier or Premier Plus. Below we outline the benefits of both plans

Premier Plan

Includes 21 fracture benefits plus three additional cash benefits -

and children covered under the plan are entitled to 50% of all benefits illustrated

Premier Plus Plan

Includes all the benefits from the Premier Plan - plus a further 18 Serious Accident Benefits.

Children can be covered too - see the Policy Document in the Literature Library for full details.

Permanent Total Disability €50,000 €75,000 €100,000
Loss of sight in both eyes €50,000 €75,000 €100,000
Loss of two limbs €50,000 €75,000 €100,000
Quadriplegia €50,000 €75,000 €100,000
Paraplegia €50,000 €75,000 €100,000
Permanent brain damage €50,000 €75,000 €100,000
Loss of sight in one eye €25,000 €37,500 €50,000
Loss of use of one limb €25,000 €37,500 €50,000
Loss of speech €25,000 €37,500 €50,000
Loss of hearing in both ears €25,000 €37,500 €50,000
Loss of hearing in one ear €5,000 €7,500 €10,000

Loss of use of:

- a shoulder or elbow

- a wrist, thumb, hip, knee or ankle

- any finger or big toe

- any other toe













Daily Hospitalisation benefits* €50 per
€75 per
€100 per
Lump sum hospitalisation benefit following 14 days continuous hospitalisation €500 €750 €1,000
Accidental Death €50,000 €75,000 €100,000

*Excluding the first 24 hours and upto maximum of 45 days in hospital

What's not included?

These are some of the key exclusions

  • War and terrorism

  • Riding a motorcycle, moped or scooter

  • Rock climbing or mountaineering

  • Flying except as a fare-paying passenger

  • Competing in any race other than on foot or whilst swimming

  • Illegal acts, use of explosives, suicide or self-inflicted injury

  • Being under the influence of alcohol or drugs

Please refer to the Policy Document in the Literature Library for a full list of exclusions.

How do I make a claim?

Simply call our claims handler, Davies Ireland, on 01 623 8471 for a claim form and for information on your claim.


Who can apply?
You must be over 18 and under 65 years of age. You also need to be a resident in the Republic of Ireland.
What do we mean by a fracture?
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor.
Who underwrites the plan?
Maiden Life Försäkrings AB
Maiden Life underwrite our Personal Accident Plan. They provide insurance solutions throughout Europe, protecting thousands of people just like you against accidents and sickness.

Contact us