PAX Personal Accident Plans & Pricing

Individual plan prices

Personal plans only cover the policyholder, unless you are a single parent in which case your children will also be covered.  Prices shown are per single unit – a maximum of 15 units can be purchased. 

  • Personal accident only

  • PAX

    £3.99

  • RPAX

    £3.60

  • XPAX

    £1.61

  • Optional life & critical illness

  • PAX

    £2.00

  • RPAX

    £2.50

  • XPAX

    £7.30

  • Combined monthly cost

  • PAX

    £5.99

  • RPAX

    £6.10

  • XPAX

    £8.91

Family plan prices

Family plans cover the policyholder, the policyholder’s spouse or partner and their child or children. Prices shown are per single unit – a maximum of 15 units can be purchased. If you are a single parent your children will be covered by the personal plan. 

  • Personal accident only

  • PAX

    £5.59

  • RPAX

    £5.03

  • XPAX

    £2.53

  • Optional life & critical illness

  • PAX

    £3.00

  • RPAX

    £3.75

  • XPAX

    £10.95

  • Combined monthly cost

  • PAX

    £8.59

  • RPAX

    £8.78

  • XPAX

    £13.48

A 12% Insurance Premium Tax applies to Personal Accident Insurance premiums only and has been included in the prices shown above.

How can I purchase PAX Personal Accident Insurance?

HM Regular Armed Forces (PAX) 

To take out PAX PA cover, please visit your unit HR office to obtain a copy of the PAX joining pack.  You will need to complete the Enrolment Certificate JPA PAX1 and submit this to your unit HR office. As soon as your Unit HR have countersigned and dated the form, your cover will start.

Once entered onto JPA, the PAX payments will be taken directly from your salary from the next available pay period. Cover can be changed or cancelled at any time via your Unit HR.

If you need other information or assistance contact PAX Customer Services on UK 0800 212480 or from overseas call 020 8662 8102.

Ex-member of the Armed Forces (XPAX)

To take out XPAX cover please contact PAX Customer Services on 0208 662 8102. XPAX payments can be paid by monthly direct debit and cover can be changed or cancelled at any time.

If you are already a PAX policyholder with the Life and Critical Illness extension and apply within 10 days of date of discharge, you or any other person insured will not be required to re-declare your state of health when requesting the same level of Life cover or less. If applying after 10 days you may be required to complete a fresh health questionnaire.

HM Volunteer Reserve Forces including MOD civil servants about to deploy (RPAX)

To take out RPAX cover please contact PAX Customer Services on 0208 662 8102. RPAX payments are paid by monthly direct debit and cover can be changed or cancelled at any time.

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.