Yes, and this is one of the most important military-specific features of this policy. The policy explicitly covers injuries caused by conflict with any belligerent, scoring 100% (top of the market) in Fairer Finance’s 2026 independent assessment. Many standard personal accident policies exclude conflict injuries as a matter of course. This policy was designed specifically for serving military personnel, and conflict cover is a core part of what makes it genuinely fit for purpose.

Fairer Finance’s 2026 independent assessment found that Absolute Military’s minimum monthly premium of £3.79 per unit scores in the 96th percentile for lowest price, meaning it is cheaper than 96% of competing products on the market. The maximum individual premium of £18.95 scores in the 81st percentile for lowest price. This exceptional pricing is a result of risk-based pricing and a commitment to challenging the market norms on cost.

The policy scores 100% in Fairer Finance’s assessment on several military-specific features: conflict injuries, cold injuries (including NFCI and frostbite), heat stroke, skull fractures, facial scarring, ligament tears, tendon ruptures, and dislocations. It also covers gunshot wounds, shrapnel and flesh wounds, and cold injury loss on a permanent basis (scoring 91%, near the top of market). These features reflect the real injury profile of serving military personnel and are not typically found in standard civilian personal accident policies.

No, the AFCS and personal accident insurance serve different purposes and cover different situations. The AFCS only covers injuries caused or significantly worsened by your military service. It does not cover accidents that happen off duty, at home, during sport, on leave, or in civilian settings. Personal accident insurance covers you 24 hours a day, every day, regardless of whether the accident is connected to your service. The two policies are entirely independent, holding both does not affect your AFCS entitlement.

In the interest of transparency, Fairer Finance’s assessment identified several tertiary features not currently included in this policy: coma benefit (a daily payment if in a coma), hostage cover (a daily benefit if taken hostage, relevant for some specialist military roles), childcare expenses after injury, and home or vehicle modification costs after permanent disablement. These are niche features found in some higher-priced policies. If hostage cover is important to your specific role, please speak to an adviser, we will always recommend the most appropriate product for your circumstances, even if that means recommending an alternative.

The policy uses a unit structure, starting from £3.79 per unit per month. Each unit provides a set level of benefit for each covered injury. You can purchase multiple units to scale the cover proportionally, for example, a permanent total disablement benefit of £150,000 at one unit scales up with additional units. The maximum individual premium is £18.95 per month. Your adviser will help you work out how many units make sense based on your income, circumstances and what you want to protect.

The policy is underwritten by Hamilton Insurance DAC, incorporated in Ireland and regulated by the Central Bank of Ireland. Hamilton Insurance DAC is rated A (Excellent) by AM Best and A- by Fitch Ratings, with both ratings carrying a stable outlook as affirmed in May 2026. It is a wholly owned subsidiary of Hamilton Insurance Group (NYSE: HG), a global specialty insurer.