PAX Personal Accident Insurance

Giving you and your family peace of mind

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With over 57,000 plan holders, PAX is the contracted supplier of Personal Accident insurance to the HM Armed Forces.

Whether you’re a member of the HM Regular Armed Forces (PAX), the HM Volunteer Reserve Forces (RPAX) or an ex-member of the Armed Forces (XPAX), cover is available to you and your family1 under one of our Personal Accident and Optional Life insurance plans.

Personal accident insurance shield

Cover from £3.99 per month2

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Optional life cover heart beat

Optional Life & Critical Illness extension

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Quick Facts

  • Individual or family plans available
  • Cover all day, every day, everywhere – on or off duty
  • Children covered for free under Family Plan, or Individual Plan if you are a single parent
  • Cover can be taken out or changed at any time
  • Includes all sport/leisure activities and forms of transport
  • Includes war3 and terrorism injuries arising from active service or peacekeeping duties
  • No exclusions for terrorism, alcohol, drugs, chemical, biological, radiological or nuclear
  • Cover can be extended to include death by natural causes and certain critical illnesses with our 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. 

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.

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.

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

Virtual Medical Care provides an online clinic for all PAX PA members and their spouse/partner and children whether your policy is individual or Family.

Full details of Virtual Medial Care can be found here.

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Forms and Documents

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

Receive your quote Example Enrolment Form

Receive your quote PAX PA Policy Document

Receive your quote RPAX PA Policy Document

Receive your quote XPAX PA Policy Document

1 Family means the coverholder and the coverholder's spouse/partner and dependent children (even if the Family PAX plan has not been selected.)
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.

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 (https://register.fca.org.uk). 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.

The following service provided by Teledoc is not regulated by the Financial Conduct Authority:

  • PTSD counselling service provided by PTSD Resolution
  • Virtual Medical Care

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 www.fca.org.uk/firms/systems-reporting/register or by calling them on 0800 111 6768. Markel International Insurance Company Limited is also authorised by the Prudential Regulation Authority.