All things PAX.

#1
As it says on the title a thread for all things PAX. Any questions, queries, compliments or gripes and moans put them up here and PAX Bloke will answer them as best he can.

The rules.

1. Don't put your own personal details up, well you can if you want its your persec!

2. If you've got a gripe fine but don't make it personal, because if you do I'll finally get to find out what these new MOD buttons actually do!

In your own time folks.

BiscuitsAB.
 
#4
Hi Biscuits,

It's basically a way of continuing to have PAX once you leave the armed forces and payment by payroll deduct is no longer possible (The veterans agency have turned down requests for payment from pensions).

Because ex-members of the armed forces are still likely to do adventurous activities and go to interesting places on holidays, the cover is broadly the same. The main differences are that it will not provide liability cover whilst you are at work, because that is the legal responsibility of the civilian employer, life cover is only available to UK residents and personal accident cover to residents of the European Economic Area: European Economic Area - Wikipedia, the free encyclopedia

Immediate personal accident cover (with the same benefits as PAX) – even if notified for deployment as a regular reserve.

Catastrophic injuries – quadriplegia and paraplegia.
Permanent disabilities - up to £20,000 per unit of cover.
Accidental death.
Burns – full thickness second or third degree burns.
Fractures – full thickness breaks to arms, wrists, legs and ankles only.
Hospitalisation – as a result of an accident and after 5 consecutive nights in primary care.
Flesh wounds – temporary disability due to gunshot, blast or shrapnel, or permanent scaring.

Cover all day, every day, everywhere, at work or on holiday.
No terrorism, alcohol, drugs, chemical, biological, radiological or nuclear exclusions.
All sports/leisure activities and forms of transport are included.
Personal Liability cover (except as noted above).
and still no administration charges.

Suicide and self harm are still excluded, as is war between UK, US, France and Russia.

The personal accident cover is much cheaper (1.46/2.27 a unit for Individual/family), but the life cover is more expensive (2/3 per unit individual/family). Payment is by monthly DD.

Full details here:
Former Members of the Armed Forces

Regards,

PB
 
#6
Hi I've just put a claim in to pax about injuries to my knees which I've had 2 ops on both knees , problem I'am going to have is that in my med docs they can only find injury to my left knee , there is nothing they can see about my right knee even tho there is loads about my knees but not about the injury . What can I do ? Cheers
 
#7
Hi Jonah,

There is a little noticed benefit under PAX for plan members called the Medical Second Opinion service. It funds your getting a review of a condition and may be available here.

I've sent you a pm. So we can take it from there.

Regards,

PB
 
#9
Just out of interest what would be deemed a 'reasonable amount of time' between submission of claim and settlement of claim?

and is there a reasonable limit on the number of specialists from different fields that an insurance company can insist on a claimant seeing (and a reasonable amount of time between seeing each of these different specialists) before the claimant can state without fear of contradiction that said insurance company is blatantly taking the piss (ie. 4 years/3 PAX appointed specialists/12 months between specialists....when more than 10 treating clinicians and non PAX appointed specialists have provided medical reports supporting the claimants case) incidentally the claimant has already won the tribunal regarding increase in AFCS/pension tarrif that was upheld in a court of law with a civillian judge, medical expert and MoD representative in attendance

I suspect that the common interpretation of 'reasonable' is not that of the term 'open ended'
 

Ravers

LE
Kit Reviewer
Book Reviewer
#10
Here's one, I left the regular RN in 2007 and phoned to cancel my policy.

Completely forgot about it until June this year when I was doing some bank account house keeping.

Turns out my policy was never cancelled and I'd been paying for it ever since.

Phoned up, kicked up a stink but to no avail. Obviously it's my fault for not going through my bank statements more thoroughly, but surely if you phone up to cancel something, it should be cancelled without having to follow it up?

Anyway just my tuppence worth, I'm down around 500 quid because of a clerical error.


Posted from the ARRSE Mobile app (iOS or Android)
 
#11
Here's one, I left the regular RN in 2007 and phoned to cancel my policy.

Completely forgot about it until June this year when I was doing some bank account house keeping.

Turns out my policy was never cancelled and I'd been paying for it ever since.

Phoned up, kicked up a stink but to no avail. Obviously it's my fault for not going through my bank statements more thoroughly, but surely if you phone up to cancel something, it should be cancelled without having to follow it up?

Anyway just my tuppence worth, I'm down around 500 quid because of a clerical error.


Posted from the ARRSE Mobile app (iOS or Android)
Hi Ravers,

Unfortunately, you cannot cancel PAX Personal Accident insurance by phone as it is administered by the MoD at unit level. You would have needed to complete and sign a cancellation form for action by your writer. However, as PAX is payroll deduct, you should not have been paying for it from your bank account. Only RPAX (for reservists) and XPAX (for former members of the armed forces) are paid by DD. We do sort out special arrangements for those whose pay is suspended, e.g. loan service, but again this is not by DD.

If you are referring to a home contents policy then please pm and we'll take it from there, but it may be you have personal accident cover with someone else - unfortunately people buying policies from other companies in the mistaken belief it is 'PAX' is something we come across occasionally.

Either way I am happy to dig further if you want to pm.

Kind regards,

PB
 
#12
I have surgery as a result of an explosion in 2009. I received a full payout for most of my injuries from PAX and I claim for the hospital stays. Can I claim for the scars/graft sites/flap sites the surgeons leave as a result of their work?

I have paid PAX at the same level since before I was injured and continued upto this day.
 
#13
Hi Dingerr,

I'm sorry to hear of your injuries, sounds like you've had a tough time. The short answer is maybe.

If by a full payout you mean 20K per unit for permanent disabilities (Section B), then you've received the maximum payable under that section. However, if you haven't yet reached the threshold and your grafts, scars etc. have resulted in a further loss of use (movement, feeling etc.) then it's worth contacting the claims team again. They'll be heading home for the weekend shortly so it's probably best catching them next week. However, I'm can get back to you if you want to ask anything specific via pm.

Kind regards,

PB
 

Ravers

LE
Kit Reviewer
Book Reviewer
#14
Hi Ravers,

Unfortunately, you cannot cancel PAX Personal Accident insurance by phone as it is administered by the MoD at unit level. You would have needed to complete and sign a cancellation form for action by your writer. However, as PAX is payroll deduct, you should not have been paying for it from your bank account. Only RPAX (for reservists) and XPAX (for former members of the armed forces) are paid by DD. We do sort out special arrangements for those whose pay is suspended, e.g. loan service, but again this is not by DD.

If you are referring to a home contents policy then please pm and we'll take it from there, but it may be you have personal accident cover with someone else - unfortunately people buying policies from other companies in the mistaken belief it is 'PAX' is something we come across occasionally.

Either way I am happy to dig further if you want to pm.

Kind regards,

PB
Sorry, I should've been clearer, it's PAX kit insurance which I had. I started the policy in phase 1 training and paid a direct debit to AON ltd every month throughout my career and after leaving, right up until may this year. When I phoned the PAX number in may, they cancelled over the phone, I've had no DDs going to AON since that call.
 
#15
Aon are not PAX.

Aon are insurance brokers (second largest in the world), and sell (or buy, depending on your point of view) insurance products from several hundred insurance companies.

PAX is a product of the AIG insurance company (who were 'Chartis' and before that 'AIG'. Don't ask how much money they have wasted on rebranding...)
 
#16
Hi Dingerr,

I'm sorry to hear of your injuries, sounds like you've had a tough time. The short answer is maybe.

If by a full payout you mean 20K per unit for permanent disabilities (Section B), then you've received the maximum payable under that section. However, if you haven't yet reached the threshold and your grafts, scars etc. have resulted in a further loss of use (movement, feeling etc.) then it's worth contacting the claims team again. They'll be heading home for the weekend shortly so it's probably best catching them next week. However, I'm can get back to you if you want to ask anything specific via pm.

Kind regards,

PB
I've reached the threshold per unit as I lost both legs amongst other injuries that weren't paid for due to the threshold.

However I have continued to pay PAX since injury to current day, expecting to be covered as previously. Am I not able to claim for subsequent injuries?
 
#17
Aon are not PAX.

Aon are insurance brokers (second largest in the world), and sell (or buy, depending on your point of view) insurance products from several hundred insurance companies.

PAX is a product of the AIG insurance company (who were 'Chartis' and before that 'AIG'. Don't ask how much money they have wasted on rebranding...)
Whilst normally on the button, Dread, you are not quite correct this time.

The brand 'PAX' is owned by Aon. It is used to cover a range of products designed for the military market, of which the MoD facilitated Personal Accident (PA) plan is but one. Whilst the PAX PA plan is underwritten by AIG, the PAX kit plan currently is not.

So Aon are PAX and they kindly let me use their brand as the distributor.

Regards,

PB
 
#18
I've reached the threshold per unit as I lost both legs amongst other injuries that weren't paid for due to the threshold.

However I have continued to pay PAX since injury to current day, expecting to be covered as previously. Am I not able to claim for subsequent injuries?
Any conditions that are a result of the initial accident are paid out according to the cover you had at the time. So there is no need to keep at the original levels of cover for claims relating to that accident, such as hospitalisation. If you had reduced your units or even cancelled cover the day after the accident, your claim would have been treated the same.

By keeping your units you have ensured that if you had suffered a subsequent accident (as has happened on a few occasions) then that would have been treated as a new claim.

Unfortunately, it sounds like your subsequent injuries all relate to treatment for your initial injuries. If I've got that wrong then it's worth going back to the claims team with a fresh claim.

Regards,

PB
 
#19
Sorry, I should've been clearer, it's PAX kit insurance which I had. I started the policy in phase 1 training and paid a direct debit to AON ltd every month throughout my career and after leaving, right up until may this year. When I phoned the PAX number in may, they cancelled over the phone, I've had no DDs going to AON since that call.
Ravers,

No problem, phone calls should be recorded so let's exchange details by pm so that I can see what we can do to sort this one out.

Regards,

PB
 
#20
No rush for an answer as I can’t do anything about it until we return to work but I managed to snap my little finger yesterday, clean break, had it wired back together today – am I likely to get anything out of PAX?

If so how do I claim?

Mere flesh wounds I know, but I’ve had PAX for years and never had a scratch up until now.

Happy Christmas!
 

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