PAX Personal Accident Insurance

Giving you and your family peace of mind

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PAX Personal Accident insurance is arranged under contract to the Ministry of Defence. With over 57,000 plan holders, PAX is the preferred supplier of Personal Accident insurance within the HM Armed Forces.

Starting from just £3.99 per month1 for one unit of individual insurance, the PAX Personal Accident Plan can help protect you and your family against potential financial hardship should the worst happen.

The Plan provides tax free2 cash payments in the event of accidental bodily injury which results in death, permanent disability, burns, fractures, damage to tendons and ligaments, displacement of bones or hospitalisation.

Whether you’re a member of the HM Regular Armed Forces including FTR (PAX), the HM Volunteer Reserve Forces, including MOD Civil Servants about to deploy (RPAX) or an ex-member of the Armed Forces (XPAX), cover is available to you and your family under the PAX suite of insurance plans.

The intention of RPAX is to provide the same cover to Reservists as available to their regular counterparts, as at certain times they will be serving alongside each other, facing the same risks. Cover available through RPAX is the same as Regular personnel and MOD civil servants about to deploy may also apply.


Plan options

Choose Individual or Family cover

  • Individual Plan covers you and your children if you are a single parent
  • Family Plan covers you, your spouse or partner and your children
  • Children (including legally adopted and stepchildren) are covered until their 18th birthday or their 23rd birthday if they are in full-time education.

Cover for accidental death and a specified range of disabilities, is available in units from 1 up to 15. The more units you choose, the higher the cash benefits available to you in the event of an accident.

If your circumstances change, you can quickly and easily increase or reduce your number of units or add/remove Family cover, with no administrative charge. See the Table of Benefits with the policy document for more information.

Optional cover

Personal Accident insurance is available on its own or with the Optional Life and Critical Illness Insurance. You are able to apply for PAX Personal Accident and Optional Life and Critical Illness Insurance for yourself and if required, your family, providing you are a member of HM Regular Armed Forces (PAX), in HM Volunteer Reserve Force, a MOD civil servant about to deploy (RPAX), or an ex-member of the Armed Forces (XPAX).

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Quick facts

  • 24/7 worldwide cover, on and off duty
  • Includes war3 and terrorism injuries arising from active service or peacekeeping duties
  • Includes injuries caused by nuclear, chemical, biological or radiological attack
  • Includes sport, holiday, traffic accident and domestic injuries
  • Provides cover for serious injuries to Tendons and Ligaments
  • Cover can be taken out or changed at any time
  • Cover is available under the Family plan for your spouse or partner
  • Children covered free under Family plan or individual Plan if you are a single parent
  • No exclusion for death or injury contributed to by drink or drugs
  • Cover can be extended to cover death by natural causes and certain specific critical illnesses - Optional Life and Critical Illness Insurance

Extra benefits

After leaving the Armed Forces, this service will be available to any service person that has been a PAX member at any time and is suffering the symptoms of PTSD.

You will have access to a unique counselling package upon leaving military service:

  • Assignment to a qualified Therapist arranged within 24-hours.
  • Up to six face-to-face consultations, with follow-ups at a six and twelve-month period.
  • Consultations available for affected family members.

This counselling service will be available through PTSD Resolution, a charity (No. 1133188) experienced in providing counselling to British Armed Forces veterans and their families since 2009 to relieve mental health problems resulting from military service.

Full details of this cover are available in the Policy document.

Your policy includes access to a legal helpline which will give you advice about your rights, your prospects of receiving compensation and ways of paying for any action needed to claim damages for injury caused by the act or omission of a third party.

The Legal Advice Helpline is also available to give advice on any subject within the laws of England, Wales, Scotland and Northern Ireland. 

For more information contact PAX Customer Services on 0370 218 4260 (from UK), +44 20 8662 8126 (from overseas).

You are also covered for legal fees and expenses up to £100,000 (maximum) to make a claim against someone who has injured you.

Full details including a list of the exclusions are available in the Policy Document. 

If you are legally liable for accidentally injuring another person or losing or damaging their property, you will be paid up to £500,000 for each claim for damages you have to pay.

This section of the policy insures your legal liability to pay up to £500,000 for any one claim or series of claims from one cause, for accidentally injuring another person or damaging their property.

Your defence costs will be paid in addition, provided they have been agreed in writing.

The main exclusions are:

  • War or related events
  • Injury from using or owning firearms or mechanically powered vehicles, aircraft or watercraft
  • Loss, injury or damage for which you must have insurance under Road Traffic Legislation
  • Injury, damage or loss you cause maliciously, recklessly or intentionally or resulting from a crime in which you have taken part
  • You carrying out your duties with HM Armed Forces or another occupation

Full information and a list of exclusions can be found in the Policy Document.

MyHealthPortal is an online clinic for all PAX PA members and their spouse/partner and children whether your policy is individual or Family. It provides a 24/7 remote access service to UK trained nurses and doctors, whilst you may be at home, at work or overseas.

For information or assistance with any health related query, medical condition, or if you just don’t feel well, once your membership has been registered, you can contact the MyHealthPortal medical team  by telephone or online, or by submitting a text message query.

The MyHealthPortal teams’ advice and support includes:

  • General health guidelines
  • Personalised search of medical information
  • Medication support
  • Online GP advice

Additional services available:

  • Case management for critical conditions
  • Before or after surgery consultation
  • Cancer assist
  • Travel and vaccination advice
  • Monthly online newsletter 

Also included for PAX PA members and their immediate family4, is access to world class hospitals to obtain a second professional medical consultation to be used for medical purposes only.

This service includes:

  • Professional and independent opinion
  • Preparation of medical file by a qualified UK Doctor
  • A full review of your case

PAX PA members can open an account and access the 24/7 medical helpline or second opinion service by visiting or calling +44(0) 207 486 2300.

Forms and Documents

Full details of cover can be found in the policy document.

Plans and pricing

Want to find out how much a PAX Personal Accident policy could cost you? Individual plans start from just £3.99.

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Optional Life and Critical Illness cover  

If you take out PAX Personal Accident cover, you have the option to include Optional Life and Critical Illness cover within your policy.

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1 The death benefit is paid tax-free to the deceased person’s estate, which may then be subject to inheritance tax.
2 The death benefit is paid tax-free to the deceased person’s estate, which may then be subject to inheritance tax. 
3 Excludes war, whether declared or not, between any of the following countries: the USA, France, the UK and any federal subject of the Russian Federation.
4 Immediate family means the coverholder and the coverholder's spouse/partner and dependent children (even if the Family PAX plan has not been selected.)

PAX Personal Accident Insurance (including Personal Liability) is underwritten by American International Group UK Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 781109). This can be checked by visiting the Financial Services Register ( American International Group UK Limited is a member of the Association of British Insurers. Registered in England: Company number 10737370. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. 

PAX Optional Life & Critical Illness Insurance is underwritten by MetLife Europe d.a.c. (trading as MetLife). MetLife is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation are available from us on request. Registered address: 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. Registration number 415123. UK branch address: One Canada Square, Canary Wharf, London E14 5AA. Branch registration number BR008866. 

PAX Legal Protection is underwritten by Markel International Insurance Company Limited Registered in England No.202570. Registered Office 20 Fenchurch Street, London EC3M 3AZ. Your Legal expenses element of cover is managed and administered by Abbey Legal Protection on behalf of Markel International Insurance Company Limited. Abbey Legal Protection and Markel International Insurance Company Limited are authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register at or by calling them on 0800 111 6768. Markel International Insurance Company Limited is also authorised by the Prudential Regulation Authority.

Why choose PAX Insurance?

Over 100 years of protection

PAX has been providing insurance specifically tailored to the military for over 100 years, looking after service personnel and their families. 

Trusted by over 60,000 military personnel

 From personal accident to travel insurance, PAX covers over 60,000 members of the UK Armed Forces and reservists.

A dedicated team of insurance professionals 

 Our dedicated PAX team will ensure we provide you with the necessary cover to meet your specific needs.