{"id":127,"date":"2023-05-30T15:26:52","date_gmt":"2023-05-30T15:26:52","guid":{"rendered":"https:\/\/www.palprotect.co.uk\/personal-accident\/"},"modified":"2024-04-12T08:36:10","modified_gmt":"2024-04-12T08:36:10","slug":"personal-accident","status":"publish","type":"page","link":"https:\/\/www.palprotect.co.uk\/personal-accident\/","title":{"rendered":"Personal Accident"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"127\" class=\"elementor elementor-127\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e2442c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2442c8\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c19d909\" data-id=\"c19d909\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65afbf9 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"65afbf9\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.palprotect.co.uk\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<?xml version=\"1.0\" encoding=\"UTF-8\"?><svg id=\"Layer_2\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 49.49 47.77\"><defs><style>.cls-1{stroke-linecap:round;stroke-linejoin:round;}.cls-1,.cls-2{fill:none;stroke:#eb5f10;stroke-width:2px;}.cls-2{stroke-miterlimit:10;}.cls-3{fill:#eb5f10;}<\/style><\/defs><g id=\"Layer_1-2\"><rect class=\"cls-2\" x=\"-1.86\" y=\"13.95\" width=\"52.49\" height=\"19.86\" rx=\"8.51\" ry=\"8.51\" transform=\"translate(-9.62 26.8) rotate(-49.31)\"\/><rect class=\"cls-3\" x=\"16\" y=\"23.09\" width=\"1.06\" height=\"19.86\" transform=\"translate(-19.28 24.03) rotate(-49.31)\"\/><rect class=\"cls-3\" x=\"32.09\" y=\"4.37\" width=\"1.06\" height=\"19.86\" transform=\"translate(.51 29.71) rotate(-49.31)\"\/><circle class=\"cls-3\" cx=\"9.79\" cy=\"40.86\" r=\"1.03\"\/><circle class=\"cls-3\" cx=\"9.68\" cy=\"34.65\" r=\"1.03\"\/><circle class=\"cls-3\" cx=\"15.88\" cy=\"40.16\" r=\"1.03\"\/><circle class=\"cls-3\" cx=\"38.97\" cy=\"6.87\" r=\"1.03\"\/><circle class=\"cls-3\" cx=\"32.8\" cy=\"7.7\" r=\"1.03\"\/><circle class=\"cls-3\" cx=\"39.19\" cy=\"13.01\" r=\"1.03\"\/><path class=\"cls-1\" d=\"m9.87,21.04S-3.98,12.83,2.93,4.48c0,0,5.69-8.26,17.42,4.38\"\/><path class=\"cls-1\" d=\"m29.2,37.99s10.19,12.46,17.42,4.38c0,0,7.31-6.87-6.94-16.57\"\/><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h1 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tPersonal Accident Insurance\t\t\t\t\t<\/span>\n\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c90e50 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"7c90e50\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-bottom:0;flex-grow:1;border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left .elementor-divider-separator:before{content:none}.elementor-widget-divider--element-align-left .elementor-divider__element{margin-left:0}.elementor-widget-divider--element-align-right .elementor-divider .elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-right .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-right .elementor-divider__element{margin-right:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-top:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad32a00 elementor-widget elementor-widget-heading\" data-id=\"ad32a00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Protect Yourself and Your Loved Ones<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6772f96 elementor-widget elementor-widget-heading\" data-id=\"6772f96\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">The PAL that\u2019s got your back<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0d471 elementor-widget elementor-widget-text-editor\" data-id=\"4d0d471\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Accidents can happen anytime, anywhere. Be prepared and safeguard your financial future with our comprehensive Personal Accident Insurance coverage. <br \/>Your PAL is here to protect you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb19229 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cb19229\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b252304\" data-id=\"b252304\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5aa4a1a elementor-mobile-align-justify elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"5aa4a1a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#pricing\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-bullseye-pointer\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Pricing<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94dbd49 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"94dbd49\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de5f632 elementor-mobile-align-justify elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"de5f632\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#features\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-bullseye-pointer\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">What Does It Cover?<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f7b50e elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"4f7b50e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcd0dd2 elementor-mobile-align-justify elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"bcd0dd2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#protected\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-bullseye-pointer\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Protected<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87fe712 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-spacer\" data-id=\"87fe712\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf827f elementor-mobile-align-justify elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8bf827f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#civil_servants\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-bullseye-pointer\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Civil Servants on deployment<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30e1bfea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30e1bfea\" data-element_type=\"section\" id=\"features\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18f16413\" data-id=\"18f16413\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6f739374 elementor-widget elementor-widget-heading\" data-id=\"6f739374\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Features<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00949da elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"00949da\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91bd1f9 elementor-widget elementor-widget-text-editor\" data-id=\"91bd1f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Our Personal Accident Insurance offers a wide range of coverage, including:<\/p><ul><li>Cover all day, every day, everywhere<\/li><li>On or off duty<\/li><li>No exclusions for terrorism, alcohol, drugs, chemical, biological, radiological or nuclear<\/li><li>All sports\/leisure activities and forms of transport included<\/li><li>PTSD Counselling Service for former members<\/li><li>Benefits payable unaffected by other compensations and tax-free (excluding inheritance tax)<\/li><li>Immediate cover \u2013 even if notified for deployment.*<\/li><li class=\"smallprint\">*Note that restrictions may apply on starting or increasing cover during an Exclusion Period of Major Deployments<\/li><li>Private GP Consultation<\/li><li>3 months FREE cover for new recruits<\/li><li>Civil Servants on deployment can be covered by the Reservists policy<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c9b822b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9b822b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cfd5b4c\" data-id=\"cfd5b4c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18dcc03 elementor-widget elementor-widget-heading\" data-id=\"18dcc03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal Accident - what\u2019s included?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0ea68c elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"c0ea68c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58b8333 elementor-widget elementor-widget-text-editor\" data-id=\"58b8333\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Catastrophic injuries<\/li><li>Permanent disabilities<\/li><li>Accidental death<\/li><li>Burns<\/li><li>Fractures<\/li><li>Hospitalisation (as a result of an accident)<\/li><li>Flesh wounds<\/li><li>Dislocations, Tendons, Ligaments<\/li><li>Criminal Injury Compensation<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6fb2353 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fb2353\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9568ab3\" data-id=\"9568ab3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b31ade elementor-widget elementor-widget-heading\" data-id=\"0b31ade\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What's Not included<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4d78a7 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"a4d78a7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24ecdf1 elementor-widget elementor-widget-text-editor\" data-id=\"24ecdf1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Sickness or disease unless this results from a bodily injury<\/li><li>An injury resulting from a gradual cause (such as stress fractures)<\/li><li>Intentional self injury, suicide, or attempted suicide<\/li><li>Fractures resulting from already diagnosed osteoporosis<\/li><li>Psychological or psychiatric illnesses or conditions, such as PTSD<\/li><li>War between the major powers (USA, UK, France, Russian Federation)<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9a58a1b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9a58a1b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f8b98c1\" data-id=\"5f8b98c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4350a428 elementor-widget__width-auto elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4350a428\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PAL: Here to protect<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4663e8 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"c4663e8\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-49cf9c4e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"49cf9c4e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6af6973b\" data-id=\"6af6973b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f5f027 elementor-widget elementor-widget-spacer\" data-id=\"4f5f027\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-944e3b7\" data-id=\"944e3b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-115ade8c elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"115ade8c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-check\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tFlexible Plans\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChoose from our range of flexible plans, designed to protect you and your family wherever you are in the world. Get bespoke coverage that protects you and your role at all times.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e235ab8 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"5e235ab8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-check\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tWorldwide Protection 24\/7\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhether you're at home or based overseas, our Personal Accident Insurance provides worldwide protection. Stay protected no matter where life takes you.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c5252a elementor-position-left elementor-view-default elementor-mobile-position-top elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"14c5252a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span class=\"elementor-icon elementor-animation-\" >\n\t\t\t\t<i aria-hidden=\"true\" class=\"fad fa-check\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tQuick and Easy Claims\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe understand that accidents can be stressful, which is why we strive to make the claims process as smooth and hassle-free as possible. Our dedicated claims team is here to assist you every step of the way.\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b219e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b219e7\" data-element_type=\"section\" id=\"pricing\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f22978\" data-id=\"1f22978\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5b7d9a elementor-widget elementor-widget-heading\" data-id=\"e5b7d9a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pricing<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d6c5b elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"18d6c5b\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{width:25%;flex-shrink:0}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active{border-right-style:none}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:before{height:999em;width:0;right:0;border-right-style:solid}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:before{top:0;transform:translateY(-100%)}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tab-desktop-title.elementor-active:after{top:100%}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title{display:table-cell}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active{border-bottom-style:none}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:before{bottom:0;height:0;width:999em;border-bottom-style:solid}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:before{right:100%}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-desktop-title.elementor-active:after{left:100%}.elementor-widget-tabs .elementor-tab-content,.elementor-widget-tabs .elementor-tab-title,.elementor-widget-tabs .elementor-tab-title:after,.elementor-widget-tabs .elementor-tab-title:before,.elementor-widget-tabs .elementor-tabs-content-wrapper{border:1px #d5d8dc}.elementor-widget-tabs .elementor-tabs{text-align:left}.elementor-widget-tabs .elementor-tabs-wrapper{overflow:hidden}.elementor-widget-tabs .elementor-tab-title{cursor:pointer;outline:var(--focus-outline,none)}.elementor-widget-tabs .elementor-tab-desktop-title{position:relative;padding:20px 25px;font-weight:700;line-height:1;border:solid transparent}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active{border-color:#d5d8dc}.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:after,.elementor-widget-tabs .elementor-tab-desktop-title.elementor-active:before{display:block;content:\"\";position:absolute}.elementor-widget-tabs .elementor-tab-desktop-title:focus-visible{border:1px solid #000}.elementor-widget-tabs .elementor-tab-mobile-title{padding:10px;cursor:pointer}.elementor-widget-tabs .elementor-tab-content{padding:20px;display:none}@media (max-width:767px){.elementor-tabs .elementor-tab-content,.elementor-tabs .elementor-tab-title{border-style:solid solid none}.elementor-tabs .elementor-tabs-wrapper{display:none}.elementor-tabs .elementor-tabs-content-wrapper{border-bottom-style:solid}.elementor-tabs .elementor-tab-content{padding:10px}}@media (min-width:768px){.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs{display:flex}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-wrapper{flex-direction:column}.elementor-widget-tabs.elementor-tabs-view-vertical .elementor-tabs-content-wrapper{flex-grow:1;border-style:solid solid solid none}.elementor-widget-tabs.elementor-tabs-view-horizontal .elementor-tab-content{border-style:none solid solid}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper,.elementor-widget-tabs.elementor-tabs-alignment-stretch .elementor-tabs-wrapper{display:flex}.elementor-widget-tabs.elementor-tabs-alignment-center .elementor-tabs-wrapper{justify-content:center}.elementor-widget-tabs.elementor-tabs-alignment-end .elementor-tabs-wrapper{justify-content:flex-end}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-horizontal .elementor-tab-title{width:100%}.elementor-widget-tabs.elementor-tabs-alignment-stretch.elementor-tabs-view-vertical .elementor-tab-title{height:100%}.elementor-tabs .elementor-tab-mobile-title{display:none}}<\/style>\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2601\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-2601\" aria-expanded=\"false\">Protect (Regular)<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2602\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2602\" aria-expanded=\"false\">Reservist<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-2603\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2603\" aria-expanded=\"false\">Veteran<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-2601\" aria-expanded=\"false\">Protect (Regular)<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2601\" tabindex=\"0\" hidden=\"false\"><table><tbody><tr><th>\u00a0<\/th><th>Individual<br \/>(per unit per month &#8211; max 15 units)<\/th><th>Family<br \/>(per unit per month &#8211; max 15 units)<\/th><\/tr><tr><th>Personal Accident Insurance<\/th><td>\u00a33.99<\/td><td>\u00a35.59<\/td><\/tr><tr><th>Optional Life &amp; Critical Illness Insurance<\/th><td>\u00a32.00<\/td><td>\u00a33.00<\/td><\/tr><tr><th>Personal Accident PLUS Optional Life &amp; Critcal Illness Insurance<\/th><td>\u00a35.99<\/td><td>\u00a38.59<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2602\" aria-expanded=\"false\">Reservist<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2602\" tabindex=\"0\" hidden=\"hidden\"><table><tbody><tr><th>\u00a0<\/th><th>Individual<br \/>(per unit per month &#8211; max 15 units)<\/th><th>Family<br \/>(per unit per month &#8211; max 15 units)<\/th><\/tr><tr><th>Personal Accident Insurance<\/th><td>\u00a33.60<\/td><td>\u00a35.03<\/td><\/tr><tr><th>Optional Life &amp; Critical Illness Insurance<\/th><td>\u00a32.50<\/td><td>\u00a33.75<\/td><\/tr><tr><th>Personal Accident PLUS Optional Life &amp; Critcal Illness Insurance<\/th><td>\u00a36.10<\/td><td>\u00a38.78<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-2603\" aria-expanded=\"false\">Veteran<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-2603\" tabindex=\"0\" hidden=\"hidden\"><table><tbody><tr><th>\u00a0<\/th><th>Individual<br \/>(per unit per month &#8211; max 15 units)<\/th><th>Family<br \/>(per unit per month &#8211; max 15 units)<\/th><\/tr><tr><th>Personal Accident Insurance<\/th><td>\u00a31.61<\/td><td>\u00a32.53<\/td><\/tr><tr><th>Optional Life &amp; Critical Illness Insurance<\/th><td>\u00a37.30<\/td><td>\u00a310.95<\/td><\/tr><tr><th>Personal Accident PLUS Optional Life &amp; Critcal Illness Insurance<\/th><td>\u00a38.91<\/td><td>\u00a313.48<\/td><\/tr><\/tbody><\/table><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f78c29d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f78c29d\" data-element_type=\"section\" id=\"protected\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7111e19\" data-id=\"7111e19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e431b0c elementor-widget elementor-widget-heading\" data-id=\"e431b0c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Protected<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-956f420 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"956f420\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e6393d elementor-widget elementor-widget-text-editor\" data-id=\"9e6393d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Pal Protect (Regulars)<\/strong><\/p><p>Once you are confident you understand the plan and have reviewed the terms and conditions :<\/p><ul><li>Complete the <strong><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2024\/04\/Pal_digital_version.pdf\" target=\"_blank\" rel=\"noopener\">JPA PAL Enrolment Form<\/a><\/strong> &#8211; don\u2019t forget to read the declaration &amp; give full disclosure<\/li><li>Hand or email it to your Admin Staff, or the PAL rep if at an onsite presentation.<\/li><li>Your Admin staff will put your policy onto JPA for you.<\/li><li>Confirm your cover \u2013 By keeping a copy of the form (scanned, emailed or hard copy), duly authorised by the authorising officer. (Keep it safe)<\/li><li>Check your Pay Statement \u2013 to make sure the amount you are paying for PAL is what you expected it to be.<\/li><\/ul><p>Your local PAL reps are also on hand to help.<\/p><p><strong>Pal Reservists &amp;\u00a0Pal Veterans<\/strong> &#8211; call our team on <a href=\"tel:01423 297297\"><strong>01423 297297<\/strong><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d88da1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d88da1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce55535\" data-id=\"ce55535\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3da9555 elementor-widget elementor-widget-heading\" data-id=\"3da9555\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Other Documentation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be0b6a9 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"be0b6a9\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31b6515 elementor-tabs-view-horizontal elementor-widget elementor-widget-tabs\" data-id=\"31b6515\" data-element_type=\"widget\" data-widget_type=\"tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-tabs\">\n\t\t\t<div class=\"elementor-tabs-wrapper\" role=\"tablist\" >\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-5211\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-5211\" aria-expanded=\"false\">Protect (Regular)<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-5212\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-5212\" aria-expanded=\"false\">Reservist<\/div>\n\t\t\t\t\t\t\t\t\t<div id=\"elementor-tab-title-5213\" class=\"elementor-tab-title elementor-tab-desktop-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-5213\" aria-expanded=\"false\">Veteran<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"elementor-tabs-content-wrapper\" role=\"tablist\" aria-orientation=\"vertical\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"elementor-tab-content-5211\" aria-expanded=\"false\">Protect (Regular)<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5211\" tabindex=\"0\" hidden=\"false\"><ul><li>Here you can find new policy documents to download.<ul><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-Protect-Policy-Wording-0623.pdf\" target=\"_blank\" rel=\"noopener\">PAL Protect Policy Wording<\/a><\/li><li>PAL Protect Application \/ Change request form JPA PAL 1<\/li><li>Complete the <a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2024\/04\/Pal_digital_version.pdf\" target=\"_blank\" rel=\"noopener\">JPA PAL Enrolment Form<\/a> &#8211; don\u2019t forget to read the declaration &amp; give full disclosure<\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/AIG-IPID-PAL-Protect-0623.pdf\" target=\"_blank\" rel=\"noopener\">IPID<\/a><\/li><li><a href=\"\/wp-content\/uploads\/2023\/06\/PAL-Protect-Summary-of-Changes-0623-Final.pdf\" target=\"_blank\" rel=\"noopener\">Policy Changes Notice<\/a><\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-Protect-Important-Information-Flyer-0623.pdf\" target=\"_blank\" rel=\"noopener\">Important Information \/ Demands and Needs<\/a><\/li><li>TRF TOBA and Privacy Notice<\/li><li><a href=\"https:\/\/www.metlife.co.uk\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">MetLife Privacy Notice<\/a><\/li><li class=\"hide\">PAL Protect Brochure<\/li><li class=\"hide\">PAL Protect Presentation Video<\/li><\/ul><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-5212\" aria-expanded=\"false\">Reservist<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5212\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5212\" tabindex=\"0\" hidden=\"hidden\"><ul><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-Reservists-Policy-Document-FINAL-0623.pdf\">PAL Reservist Policy Wording<\/a><\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/AIG-IPID-PAL-R-0623-Final.pdf\">PAL Reservist IPID<\/a><\/li><li>Complete the <a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2024\/04\/Pal_digital_version.pdf\" target=\"_blank\" rel=\"noopener\">JPA PAL Enrolment Form<\/a> &#8211; don\u2019t forget to read the declaration &amp; give full disclosure<\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-R-Important-Information-Flyer-0623-Final.pdf\">PAL Reservist Important Information<\/a><\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-RV-Summary-of-Changes-0723-Final.pdf\">PAL Reservist Summary of Changes<\/a><\/li><li><a href=\"https:\/\/www.metlife.co.uk\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">MetLife Privacy Notice<\/a><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-tab-title elementor-tab-mobile-title\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"elementor-tab-content-5213\" aria-expanded=\"false\">Veteran<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5213\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-5213\" tabindex=\"0\" hidden=\"hidden\"><ul><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-Veterans-Policy-Document-0623.pdf\">PAL Veterans Policy Wording<\/a><\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/AIG-IPID-PAL-V-0623.pdf\">PAL Veterans IPID<\/a><\/li><li>Complete the <a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2024\/04\/Pal_digital_version.pdf\" target=\"_blank\" rel=\"noopener\">JPA PAL Enrolment Form<\/a> &#8211; don\u2019t forget to read the declaration &amp; give full disclosure<\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-V-Important-Information-Flyer-0623.pdf\">PAL Veterans Important Information<\/a><\/li><li><a href=\"https:\/\/www.palprotect.co.uk\/wp-content\/uploads\/2023\/06\/PAL-RV-Summary-of-Changes-0723.pdf\">PAL Veterans Summary of Changes<\/a><\/li><li><a href=\"https:\/\/www.metlife.co.uk\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">MetLife Privacy Notice<\/a><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4c30add elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c30add\" data-element_type=\"section\" id=\"faqs\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d250f4d\" data-id=\"d250f4d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a629f85 elementor-widget elementor-widget-heading\" data-id=\"a629f85\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0ba597 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"f0ba597\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a67c7e elementor-widget elementor-widget-html\" data-id=\"6a67c7e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script>\r\njQuery(document).ready(function($) {\r\nvar delay = 750; setTimeout(function() {\r\n$('.elementor-tab-title').removeClass('elementor-active');\r\n $('.elementor-tab-content').css('display', 'none'); }, delay);\r\n});\r\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6835c3a elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"6835c3a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-accordion{text-align:left}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1091\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"tab\" aria-controls=\"elementor-tab-content-1091\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fal fa-arrow-alt-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fal fa-arrow-alt-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Policy administration. Click here for a summary of how to administer your policy<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1091\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1091\"><h3>Chart on How to administer your Policy.<\/h3><p><a href=\"https:\/\/drive.google.com\/file\/d\/14vNAGPtR39KSObTDEVvi2zz88bHcYiFv\/view?usp=sharing\" target=\"_blank\" rel=\"noopener\">Chart here<\/a>.<\/p><h3>I want to increase or decrease my cover. How do I do it?<\/h3><p>You can make changes to your cover at any time.<br \/>Regulars simply fill in PAL JPA 1 change form and pass it or email it to your unit HR. Your PAL Rep can also help you. You should keep a copy of your form \u2013 and you can do that by using a scanner in a notes app on your mobile \u2013 again your PAL rep can help you. Please send a copy of your scan to info@palprotect.co.uk. <br \/><br \/>Reservists (&amp; Civil Servants) and Veterans, please call 01423 297297.<\/p><h3>Where do Regulars find the PAL JPA 1 Form?<\/h3><p>You can find it in several places.<br \/>1) Your PAL Valo rep<br \/>2) By clicking here<br \/>3) Your HR Team<br \/>4) Download it from the MoD Intranet<\/p><h3>The PAL JPA1 Form isn\u2019t carbon copy now, why is that?<\/h3><p>We all have targets to reduce use of paper, and at TRF we offset what carbon footprint we do have through tree planting projects. So it seems a bit daft to also be chopping trees down for the forms. <br \/><br \/>Of course we realise that sometimes a paper form is needed, and connectivity may not always be great. But even if we used the same number of forms, by moving to single copy, we halve the use of paper.<\/p><h3>How do applications get processed now they are not carbon copy forms?<\/h3><p>Every application form need to get to two places.<br \/>1) Your unit HR so that they can arrange Payroll deductions<br \/>2) The Risk Factor, so that we can issue your policy documents to you, and start putting your cover choices into the client portal we are building for you.<br \/>We know that some Unit HR\u2019s have moved, and sometimes may be hard to get a hard copy form to. Therefore if you complete the form electronically, you can email it (ideally encrypted email); to info@palprotect.co.uk as well as your unit HR. If you want to print it and fill it in, that\u2019s fine too. You can then scan it &amp; send. (<a href=\"https:\/\/www.umsl.edu\/sfs\/forms\/how-to-scan-and-sign-forms-using-iphone-or-android-phones.html\" target=\"_blank\" rel=\"noopener\">How to scan and sign forms using iPhone or Android phone | UMSL<\/a>) or ask your Valo Rep to help \u2013 they can scan it and send it to us by secure encrypted email, and you can pass to your Unit HR as normal.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1092\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"tab\" aria-controls=\"elementor-tab-content-1092\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fal fa-arrow-alt-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fal fa-arrow-alt-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Claims & Helplines<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1092\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1092\"><h3>Helplines<\/h3><p>For Personal Accident Claims you can speak to AIG directly on 020 8662 8126 (or +44 20 8663 8126 from overseas). 09:15 \u2013 17:00 Monday \u2013 Friday<\/p><p>For Optional Life and Critical Illness claims you can speak to MetLife directly on 01273 872 492 or (+44 1273 872 492 from Overseas). 09:00 \u2013 17:00 Monday \u2013 Friday<\/p><p>PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas) 07:00 \u2013 19:00 Monday \u2013 Friday and 10:00 \u2013 12:00 on Saturdays<\/p><p>PTSD Resolution Counselling Service 0300 302 0551. Lines open 09.00 \u2013 17:00 Monday \u2013 Friday.<\/p><p>Virtual Medical Care \u2013 GP Consultation Service 02 034 990 658. Lines open 24 hours a day \/ 7 days a week.<\/p><h3>I have heard about some claim stories that weren\u2019t covered and I think they should have been.<\/h3><p>We\u2019d love to hear the tale! Usually you only have half a story or it is an urban myth. Send your tales into MOD@theriskfactor.com and we will confirm whether those tales would be covered on this policy or not. And if not why not.<\/p><h4>Heard the one about the Boots?<\/h4><p>The tale goes that a claim was turned down because someone wasn\u2019t wearing army issued boots when their foot was injured. Well, that isn\u2019t an issue on this policy. We don\u2019t care if you are wearing your regulation Boots, your own choice of boots, slippers, ballet shoes, clogs, flip flops, 6 inch stilettoes, sliders or barefoot. Not sure if it is the same for the employers compensation scheme, but we don\u2019t have any influence or connection there.<\/p><h4>Heard the one about the person who cancelled their cover and didn\u2019t get to claim?<\/h4><p>The policy you buy covers you for accidents that happen during the time you are on cover. If you had the cover when the accident happened, you can put in a claim and if the policy covers the accident, you will get paid out.<\/p><p>If you had cover on Monday, but cancelled on Tuesday, and you had an accident the Monday before you cancelled, then you could be covered. If your accident was the day after you cancelled on Wednesday \u2013 then you have no cover.<\/p><p>The same is true when you increase or decrease your cover. Your claim is dealt with on the level of cover you had at the time of the accident.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1093\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"tab\" aria-controls=\"elementor-tab-content-1093\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fal fa-arrow-alt-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fal fa-arrow-alt-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Transferring from PAX to PAL<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1093\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1093\"><p><b>I was on payroll deduction and I just want my cover to continue as before. What should I do?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">You don\u2019t need to do anything for your cover to just continue. We would like to confirm your cover is in place and send you updated policy documents electronically though. If you are OK with that, please email us with your service number, and mobile number so that we can send those to you. Email <\/span><a href=\"mailto:PAL@theriskfactor.com\"><span style=\"font-weight: 400;\">PAL@theriskfactor.com<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0<\/span><\/p><p><b>I had a PAX policy but not via Payroll Deduction. What should I do?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Contact us at <\/span><a href=\"mailto:PAL@theriskfactor.com\"><span style=\"font-weight: 400;\">PAL@theriskfactor.com<\/span><\/a><span style=\"font-weight: 400;\"> and we will help you. If you are payment via Direct Debit to AIG, you can continue with the same dd for the same amount. If you are payment by standing order, we just need to give you the new bank details to amend or replace the old standing order.<\/span><\/p><p><span style=\"font-weight: 400;\">You should do this for the payment that applies to your June Cover onwards. If the payment goes to the old account details accidentally, the broker should just return that money to you. If you are deployed and unable to contact us right now, please contact us as soon as you are able to and we will help.<br \/><\/span><\/p><p><b>I read that the Legal Expenses Insurer has changed \u2013 does that matter?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p>It has changed from Markel to AIG. The cover being provided is the same, and both those insurers have strong financial security and good reputations. The only difference is that if the incident causing you to need this cover happened before 01\/06\/2023 then you need to speak to Markel as soon as possible, and incidents from 01\/06\/2023 will be handled by AIG.<\/p><h3>The PAL JPA1 Form isn\u2019t carbon copy now, why is that?<\/h3><p>We all have targets to reduce use of paper, and at TRF we offset what carbon footprint we do have through tree planting projects. So it seems a bit daft to also be chopping trees down for the forms. <br \/><br \/>Of course we realise that sometimes a paper form is needed, and connectivity may not always be great. But even if we used the same number of forms, by moving to single copy, we halve the use of paper.<\/p><h3>How do applications get processed now they are not carbon copy forms?<\/h3><p>Every application form need to get to two places.<br \/>1)Your unit HR so that they can arrange Payroll deductions<br \/>2)The Risk Factor, so that we can issue your policy documents to you, and start putting your cover choices into the client portal we are building for you.<br \/><br \/>We know that some Unit HR\u2019s have moved, and sometimes may be hard to get a hard copy form to. Therefore if you complete the form electronically, you can email it (ideally encrypted email); to info@palprotect.co.uk as well as your unit HR. If you want to print it and fill it in, that\u2019s fine too. You can then scan it (<a href=\"https:\/\/www.umsl.edu\/sfs\/forms\/how-to-scan-and-sign-forms-using-iphone-or-android-phones.html\" target=\"_blank\" rel=\"noopener\">How to scan and sign forms using iPhone or Android phone | UMSL<\/a>) or ask your Valo Rep to help \u2013 they can scan it and send it to us by secure encrypted email, and you can pass to your Unit HR as normal.<\/p><h3>I cancelled my PAX policy after the First DIN about cover ending, but I\u2019d like to have the policy back. What happens about my pre-existing medical condition?<\/h3><h4>Personal Accident Section<\/h4><p>If you want to reinstate a policy after cancelling (after the first DIN about PAX ending) then you can do so by completing the PAL JPA 1 Application Form and emailing it to info@palprotect.co.uk, and just let us know in the covering email that it is a re-instatement of previous cover. Or give it to your PAL Valo Rep, or pass it to your Unit HR. You will not be able to claim for an accident that happened whilst the cover was cancelled.<\/p><h4>Optional Life and Critical Illness Cover Section<\/h4><p>If you already had a pre-existing medical condition which you previously declared, but cancelled sometime after the first DIN about PAX ending; you can reinstate your policy by the 14\/06\/2023. The insurer will continue your cover as if it had not been cancelled, with no new conditions around that medical condition.<br \/>If you are deployed and unable to contact us or your Unit HR by the 14\/06\/2023, contact us within the first 2 weeks of being able to resume communications with your PAL JPA 1 Application form instead.<br \/><br \/>There may also be people who had no pre-existing medical condition when they took the policy out; but since then, they have developed a medical condition. There would have been no need to declare this as an existing policyholder. If you have cancelled your policy after the first DIN about PAX policies coming to an end, and you reinstate your cover by 14\/06\/2023. The insurer will continue your cover as if it had not been cancelled, with no new conditions around that medical condition.<br \/><br \/>If you are deployed and unable to contact us or your Unit HR by the 14\/06\/2023, contact us within the first 2 weeks of being able to resume communications with your PAL JPA 1 Application form instead.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1094\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"tab\" aria-controls=\"elementor-tab-content-1094\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fal fa-arrow-alt-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fal fa-arrow-alt-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">Personal Accident <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1094\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1094\"><h3>If I have an accident whilst deployed in a conflict area involving an excluded nation (USA, France, Russian Federation); but the accident was nothing to do with the deployment \u2013 I just slipped whilst walking to the mess hall, can I claim?<\/h3><p>Yes, as long as the cause of the accident was not the conflict, or made worse because of it.<\/p><p>For example, if you tripped over a shoelace and broke a bone, that would be covered. If you tripped because there was an explosion that shook the ground, or running to answer an alert, then that would be attributable to the conflict and if the nation was excluded, then there would be no cover.<\/p><p>If the conflict did not involve an excluded nation, then it wouldn\u2019t be an issue anyway and would be paid.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1095\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"tab\" aria-controls=\"elementor-tab-content-1095\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fal fa-arrow-alt-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fal fa-arrow-alt-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" href=\"\">General<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1095\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"tabpanel\" aria-labelledby=\"elementor-tab-title-1095\"><h3>I have a great suggestion for the Policy to make it even better \u2013 who should I tell?<\/h3><h3>Fantastic \u2013 we would love to hear it. Please email us at MoD@theriskfactor.com. If we use your idea, and you were the first to suggest it through that email, then we would love to send you a little thank you too.<br \/><br \/>I have heard about some claim stories that weren\u2019t covered and I think they should have been.<\/h3><p>We\u2019d love to hear the tale! Usually you only have half a story or it is an urban myth. Send your tales into MOD@theriskfactor.com and we will confirm whether those tales would be covered on this policy or not. And if not why not.<\/p><h4>Heard the one about the Boots?<\/h4><p>The tale goes that a claim was turned down because someone wasn\u2019t wearing army issued boots when their foot was injured. Well, that isn\u2019t an issue on this policy. We don\u2019t care if you are wearing your regulation Boots, your own choice of boots, slippers, ballet shoes, clogs, flip flops, 6 inch stilettoes, sliders or barefoot. Not sure if it is the same for the employers compensation scheme, but we don\u2019t have any influence or connection there.<\/p><h4>Heard the one about the person who cancelled their cover and didn\u2019t get to claim?<\/h4><p>The policy you buy is a monthly policy and it covers you for accidents that happen during that month. So if you had the cover when the accident happened, you can put in a claim and if the policy covers the accident, you will get paid out. <br \/><br \/>If you had cover on Monday, but cancelled on Tuesday, and you had an accident the Monday before you cancelled, then you could be covered. If your accident was the day after you cancelled on Wednesday \u2013 then you have no cover.<br \/><br \/>The same is true when you increase or decrease your cover. Your claim is dealt with on the level of cover you had at the time of the accident.<\/p><h3>How safe is my data?<\/h3><p>As part of the tender process run by the MoD, The Risk Factor and insurers have all had to meet the MoD specified requirements for data security, including Cyber Essentials +, and having or obtaining ISO 27001 certification. Another MoD requirement is that neither we, nor insurers store your data outside of the UK for security reasons. <br \/><br \/>Non UK data storage is pretty common, often with EU or US data warehouses. You should always check where your data is being held, as once it leaves the UK, different regulations on the security of the data and what can be done with your data may apply, and it may not be the standard you would want or expect.<br \/><br \/>The individuals working at TRF and your insurers who may have access to your personal data have also had additional security checks and MoD clearances.<br \/><br \/>We use encrypted emails as standard, and have additional layers of encryption for emails coming from the team that look after your policies.<br \/><br \/>There are never any complete guarantees, hackers build new tricks all the time, but we do all we reasonably can to stay one step ahead. You can protect yourself not just on insurance, but all your electronic data, by looking for credentials such as Cyber Essentials Plus, ISO 27001, and where your data is stored.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Policy administration. Click here for a summary of how to administer your policy\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<h3>Chart on How to administer your Policy.<\\\/h3><p><a href=\\\"https:\\\/\\\/drive.google.com\\\/file\\\/d\\\/14vNAGPtR39KSObTDEVvi2zz88bHcYiFv\\\/view?usp=sharing\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Chart here<\\\/a>.<\\\/p><h3>I want to increase or decrease my cover. How do I do it?<\\\/h3><p>You can make changes to your cover at any time.<br \\\/>Regulars simply fill in PAL JPA 1 change form and pass it or email it to your unit HR. Your PAL Rep can also help you. You should keep a copy of your form \\u2013 and you can do that by using a scanner in a notes app on your mobile \\u2013 again your PAL rep can help you. Please send a copy of your scan to info@palprotect.co.uk. <br \\\/><br \\\/>Reservists (&amp; Civil Servants) and Veterans, please call 01423 297297.<\\\/p><h3>Where do Regulars find the PAL JPA 1 Form?<\\\/h3><p>You can find it in several places.<br \\\/>1) Your PAL Valo rep<br \\\/>2) By clicking here<br \\\/>3) Your HR Team<br \\\/>4) Download it from the MoD Intranet<\\\/p><h3>The PAL JPA1 Form isn\\u2019t carbon copy now, why is that?<\\\/h3><p>We all have targets to reduce use of paper, and at TRF we offset what carbon footprint we do have through tree planting projects. So it seems a bit daft to also be chopping trees down for the forms. <br \\\/><br \\\/>Of course we realise that sometimes a paper form is needed, and connectivity may not always be great. But even if we used the same number of forms, by moving to single copy, we halve the use of paper.<\\\/p><h3>How do applications get processed now they are not carbon copy forms?<\\\/h3><p>Every application form need to get to two places.<br \\\/>1) Your unit HR so that they can arrange Payroll deductions<br \\\/>2) The Risk Factor, so that we can issue your policy documents to you, and start putting your cover choices into the client portal we are building for you.<br \\\/>We know that some Unit HR\\u2019s have moved, and sometimes may be hard to get a hard copy form to. Therefore if you complete the form electronically, you can email it (ideally encrypted email); to info@palprotect.co.uk as well as your unit HR. If you want to print it and fill it in, that\\u2019s fine too. You can then scan it &amp; send. (<a href=\\\"https:\\\/\\\/www.umsl.edu\\\/sfs\\\/forms\\\/how-to-scan-and-sign-forms-using-iphone-or-android-phones.html\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">How to scan and sign forms using iPhone or Android phone | UMSL<\\\/a>) or ask your Valo Rep to help \\u2013 they can scan it and send it to us by secure encrypted email, and you can pass to your Unit HR as normal.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Claims & Helplines\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<h3>Helplines<\\\/h3><p>For Personal Accident Claims you can speak to AIG directly on 020 8662 8126 (or +44 20 8663 8126 from overseas). 09:15 \\u2013 17:00 Monday \\u2013 Friday<\\\/p><p>For Optional Life and Critical Illness claims you can speak to MetLife directly on 01273 872 492 or (+44 1273 872 492 from Overseas). 09:00 \\u2013 17:00 Monday \\u2013 Friday<\\\/p><p>PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas) 07:00 \\u2013 19:00 Monday \\u2013 Friday and 10:00 \\u2013 12:00 on Saturdays<\\\/p><p>PTSD Resolution Counselling Service 0300 302 0551. Lines open 09.00 \\u2013 17:00 Monday \\u2013 Friday.<\\\/p><p>Virtual Medical Care \\u2013 GP Consultation Service 02 034 990 658. Lines open 24 hours a day \\\/ 7 days a week.<\\\/p><h3>I have heard about some claim stories that weren\\u2019t covered and I think they should have been.<\\\/h3><p>We\\u2019d love to hear the tale! Usually you only have half a story or it is an urban myth. Send your tales into MOD@theriskfactor.com and we will confirm whether those tales would be covered on this policy or not. And if not why not.<\\\/p><h4>Heard the one about the Boots?<\\\/h4><p>The tale goes that a claim was turned down because someone wasn\\u2019t wearing army issued boots when their foot was injured. Well, that isn\\u2019t an issue on this policy. We don\\u2019t care if you are wearing your regulation Boots, your own choice of boots, slippers, ballet shoes, clogs, flip flops, 6 inch stilettoes, sliders or barefoot. Not sure if it is the same for the employers compensation scheme, but we don\\u2019t have any influence or connection there.<\\\/p><h4>Heard the one about the person who cancelled their cover and didn\\u2019t get to claim?<\\\/h4><p>The policy you buy covers you for accidents that happen during the time you are on cover. If you had the cover when the accident happened, you can put in a claim and if the policy covers the accident, you will get paid out.<\\\/p><p>If you had cover on Monday, but cancelled on Tuesday, and you had an accident the Monday before you cancelled, then you could be covered. If your accident was the day after you cancelled on Wednesday \\u2013 then you have no cover.<\\\/p><p>The same is true when you increase or decrease your cover. Your claim is dealt with on the level of cover you had at the time of the accident.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Transferring from PAX to PAL\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><b>I was on payroll deduction and I just want my cover to continue as before. What should I do?<\\\/b><span style=\\\"font-weight: 400;\\\">\\u00a0<\\\/span><\\\/p><p><span style=\\\"font-weight: 400;\\\">You don\\u2019t need to do anything for your cover to just continue. We would like to confirm your cover is in place and send you updated policy documents electronically though. If you are OK with that, please email us with your service number, and mobile number so that we can send those to you. Email <\\\/span><a href=\\\"mailto:PAL@theriskfactor.com\\\"><span style=\\\"font-weight: 400;\\\">PAL@theriskfactor.com<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\">\\u00a0\\u00a0<\\\/span><\\\/p><p><b>I had a PAX policy but not via Payroll Deduction. What should I do?<\\\/b><span style=\\\"font-weight: 400;\\\">\\u00a0<\\\/span><\\\/p><p><span style=\\\"font-weight: 400;\\\">Contact us at <\\\/span><a href=\\\"mailto:PAL@theriskfactor.com\\\"><span style=\\\"font-weight: 400;\\\">PAL@theriskfactor.com<\\\/span><\\\/a><span style=\\\"font-weight: 400;\\\"> and we will help you. If you are payment via Direct Debit to AIG, you can continue with the same dd for the same amount. If you are payment by standing order, we just need to give you the new bank details to amend or replace the old standing order.<\\\/span><\\\/p><p><span style=\\\"font-weight: 400;\\\">You should do this for the payment that applies to your June Cover onwards. If the payment goes to the old account details accidentally, the broker should just return that money to you. If you are deployed and unable to contact us right now, please contact us as soon as you are able to and we will help.<br \\\/><\\\/span><\\\/p><p><b>I read that the Legal Expenses Insurer has changed \\u2013 does that matter?<\\\/b><span style=\\\"font-weight: 400;\\\">\\u00a0<\\\/span><\\\/p><p>It has changed from Markel to AIG. The cover being provided is the same, and both those insurers have strong financial security and good reputations. The only difference is that if the incident causing you to need this cover happened before 01\\\/06\\\/2023 then you need to speak to Markel as soon as possible, and incidents from 01\\\/06\\\/2023 will be handled by AIG.<\\\/p><h3>The PAL JPA1 Form isn\\u2019t carbon copy now, why is that?<\\\/h3><p>We all have targets to reduce use of paper, and at TRF we offset what carbon footprint we do have through tree planting projects. So it seems a bit daft to also be chopping trees down for the forms. <br \\\/><br \\\/>Of course we realise that sometimes a paper form is needed, and connectivity may not always be great. But even if we used the same number of forms, by moving to single copy, we halve the use of paper.<\\\/p><h3>How do applications get processed now they are not carbon copy forms?<\\\/h3><p>Every application form need to get to two places.<br \\\/>1)Your unit HR so that they can arrange Payroll deductions<br \\\/>2)The Risk Factor, so that we can issue your policy documents to you, and start putting your cover choices into the client portal we are building for you.<br \\\/><br \\\/>We know that some Unit HR\\u2019s have moved, and sometimes may be hard to get a hard copy form to. Therefore if you complete the form electronically, you can email it (ideally encrypted email); to info@palprotect.co.uk as well as your unit HR. If you want to print it and fill it in, that\\u2019s fine too. You can then scan it (<a href=\\\"https:\\\/\\\/www.umsl.edu\\\/sfs\\\/forms\\\/how-to-scan-and-sign-forms-using-iphone-or-android-phones.html\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">How to scan and sign forms using iPhone or Android phone | UMSL<\\\/a>) or ask your Valo Rep to help \\u2013 they can scan it and send it to us by secure encrypted email, and you can pass to your Unit HR as normal.<\\\/p><h3>I cancelled my PAX policy after the First DIN about cover ending, but I\\u2019d like to have the policy back. What happens about my pre-existing medical condition?<\\\/h3><h4>Personal Accident Section<\\\/h4><p>If you want to reinstate a policy after cancelling (after the first DIN about PAX ending) then you can do so by completing the PAL JPA 1 Application Form and emailing it to info@palprotect.co.uk, and just let us know in the covering email that it is a re-instatement of previous cover. Or give it to your PAL Valo Rep, or pass it to your Unit HR. You will not be able to claim for an accident that happened whilst the cover was cancelled.<\\\/p><h4>Optional Life and Critical Illness Cover Section<\\\/h4><p>If you already had a pre-existing medical condition which you previously declared, but cancelled sometime after the first DIN about PAX ending; you can reinstate your policy by the 14\\\/06\\\/2023. The insurer will continue your cover as if it had not been cancelled, with no new conditions around that medical condition.<br \\\/>If you are deployed and unable to contact us or your Unit HR by the 14\\\/06\\\/2023, contact us within the first 2 weeks of being able to resume communications with your PAL JPA 1 Application form instead.<br \\\/><br \\\/>There may also be people who had no pre-existing medical condition when they took the policy out; but since then, they have developed a medical condition. There would have been no need to declare this as an existing policyholder. If you have cancelled your policy after the first DIN about PAX policies coming to an end, and you reinstate your cover by 14\\\/06\\\/2023. The insurer will continue your cover as if it had not been cancelled, with no new conditions around that medical condition.<br \\\/><br \\\/>If you are deployed and unable to contact us or your Unit HR by the 14\\\/06\\\/2023, contact us within the first 2 weeks of being able to resume communications with your PAL JPA 1 Application form instead.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Personal Accident\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<h3>If I have an accident whilst deployed in a conflict area involving an excluded nation (USA, France, Russian Federation); but the accident was nothing to do with the deployment \\u2013 I just slipped whilst walking to the mess hall, can I claim?<\\\/h3><p>Yes, as long as the cause of the accident was not the conflict, or made worse because of it.<\\\/p><p>For example, if you tripped over a shoelace and broke a bone, that would be covered. If you tripped because there was an explosion that shook the ground, or running to answer an alert, then that would be attributable to the conflict and if the nation was excluded, then there would be no cover.<\\\/p><p>If the conflict did not involve an excluded nation, then it wouldn\\u2019t be an issue anyway and would be paid.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"General\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<h3>I have a great suggestion for the Policy to make it even better \\u2013 who should I tell?<\\\/h3><h3>Fantastic \\u2013 we would love to hear it. Please email us at MoD@theriskfactor.com. If we use your idea, and you were the first to suggest it through that email, then we would love to send you a little thank you too.<br \\\/><br \\\/>I have heard about some claim stories that weren\\u2019t covered and I think they should have been.<\\\/h3><p>We\\u2019d love to hear the tale! Usually you only have half a story or it is an urban myth. Send your tales into MOD@theriskfactor.com and we will confirm whether those tales would be covered on this policy or not. And if not why not.<\\\/p><h4>Heard the one about the Boots?<\\\/h4><p>The tale goes that a claim was turned down because someone wasn\\u2019t wearing army issued boots when their foot was injured. Well, that isn\\u2019t an issue on this policy. We don\\u2019t care if you are wearing your regulation Boots, your own choice of boots, slippers, ballet shoes, clogs, flip flops, 6 inch stilettoes, sliders or barefoot. Not sure if it is the same for the employers compensation scheme, but we don\\u2019t have any influence or connection there.<\\\/p><h4>Heard the one about the person who cancelled their cover and didn\\u2019t get to claim?<\\\/h4><p>The policy you buy is a monthly policy and it covers you for accidents that happen during that month. So if you had the cover when the accident happened, you can put in a claim and if the policy covers the accident, you will get paid out. <br \\\/><br \\\/>If you had cover on Monday, but cancelled on Tuesday, and you had an accident the Monday before you cancelled, then you could be covered. If your accident was the day after you cancelled on Wednesday \\u2013 then you have no cover.<br \\\/><br \\\/>The same is true when you increase or decrease your cover. Your claim is dealt with on the level of cover you had at the time of the accident.<\\\/p><h3>How safe is my data?<\\\/h3><p>As part of the tender process run by the MoD, The Risk Factor and insurers have all had to meet the MoD specified requirements for data security, including Cyber Essentials +, and having or obtaining ISO 27001 certification. Another MoD requirement is that neither we, nor insurers store your data outside of the UK for security reasons. <br \\\/><br \\\/>Non UK data storage is pretty common, often with EU or US data warehouses. You should always check where your data is being held, as once it leaves the UK, different regulations on the security of the data and what can be done with your data may apply, and it may not be the standard you would want or expect.<br \\\/><br \\\/>The individuals working at TRF and your insurers who may have access to your personal data have also had additional security checks and MoD clearances.<br \\\/><br \\\/>We use encrypted emails as standard, and have additional layers of encryption for emails coming from the team that look after your policies.<br \\\/><br \\\/>There are never any complete guarantees, hackers build new tricks all the time, but we do all we reasonably can to stay one step ahead. You can protect yourself not just on insurance, but all your electronic data, by looking for credentials such as Cyber Essentials Plus, ISO 27001, and where your data is stored.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bbde9df elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bbde9df\" data-element_type=\"section\" id=\"civil_servants\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0fb619\" data-id=\"c0fb619\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d32a0b5 elementor-widget elementor-widget-heading\" data-id=\"d32a0b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Civil Servants On Deployment<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74b0d8c elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-209 elementor-widget-divider\" data-id=\"74b0d8c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-791af9b elementor-widget elementor-widget-text-editor\" data-id=\"791af9b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>PAL Policy for\u00a0MOD civil servants going on deployment<\/h3><p>The Reservist Policy is designed for Civil Servants who may be deployed.<br \/>Reservists and Veterans policies brand change is happening on 01.07.2023. So you should refer to the following documents for more details of the cover. Once satisfied that you understand the cover, you can complete the application form, scan it and email to info@palprotect.co.uk.<\/p><p>Attachments:<br \/>A RPAX Brochure<br \/>B RPAX Policy Document<br \/>C RPAX Application Form<\/p><p>From 01\/07\/2023 those documents will automatically be replaced with PAL brand documents, and your cover will automatically move to the new brand, unless you request otherwise by contacting 01423 297 297. Please note that the legal expenses insurer will change at 01\/07\/23 from Markel to AIG.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Personal Accident Insurance Protect Yourself and Your Loved Ones The PAL that\u2019s got your back Accidents can happen anytime, anywhere. Be prepared and safeguard your financial future with our comprehensive Personal Accident Insurance coverage. Your PAL is here to protect you. Pricing What Does It Cover? Get Protected Civil Servants on deployment Key Features Our &#8230; <a title=\"Personal Accident\" class=\"read-more\" href=\"https:\/\/www.palprotect.co.uk\/personal-accident\/\" aria-label=\"More on Personal Accident\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/pages\/127"}],"collection":[{"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/comments?post=127"}],"version-history":[{"count":189,"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/pages\/127\/revisions"}],"predecessor-version":[{"id":1205,"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/pages\/127\/revisions\/1205"}],"wp:attachment":[{"href":"https:\/\/www.palprotect.co.uk\/wp-json\/wp\/v2\/media?parent=127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}