Optional life and critical illness cover

Additional peace of mind

View plans and pricing

PAX PA Optional Life and Critical Illness Insurance allows you to add death by natural causes and certain specified critical illnesses to your PAX Personal Accident Policy.

Your level of Optional Life and Critical Illness Insurance cover will be the same as the number of PAX Personal Accident units you choose and whether this is an Individual or Family plan.

For example, if you have 10 units of Individual Personal Accident Insurance, and choose to select the Optional Life and Critical Illness Insurance, you will have 10 units of Individual Optional Life and Critical Illness Insurance cover.

What is covered?

 Death by natural causes
Diagnosis of a Heart attack – of specified severity
Diagnosis of Cancer – excluding less advanced cases
Diagnosis of a Stroke – resulting in permanent symptoms
 Terminal illness

What is not covered?

Accidental death (this is covered under the personal accident section)
Suicide within 12 months of the insured persons cover starting
Claims for children under 28 days old
Critical illnesses other than those defined (heart attack, cancer, stoke)


Cover details

The sum insured per unit for death by natural causes is the same as that for death by accident i.e. £10,000, per unit. The sum insured for the diagnosis of a critical illness is £4,000 per unit.

If a payment of £4,000 per unit for critical illness has already been received by an insured person, if death occurs later from any natural cause, the payment per unit will be £6,000 i.e. £10,000 less £4,000.

For a child aged 28 days to under 16 years old the maximum death benefit is £7,500 and for critical illness is £3,000 (no matter how many units purchased). If death occurs later from any natural cause, the benefit payable will be £4,500 i.e. £7,500 less £3,000.

If you have been given a diagnosis of a terminal illness you will be paid the death benefit. A terminal illness is an advanced or rapidly progressing illness where, in the opinion of an attending consultant, life expectancy is no greater than 12 months.

Plans and pricing

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

Find out more

Personal Accident cover 

To take out Optional Life and Critical Illness cover, you must purchase PAX Personal Accident Insurance. 

Find out more

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. 

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.

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.