Page 127 - Hollard Private Portfolio

Personal accident
What we cover you for
Bodily injury
We cover you for bodily injury sustained anywhere in the world that results in:
○ death within 24 months
○ permanent disability within 24 months
○ injury that requires medical treatment.
The bodily injury must have been sustained directly as a result of an event that was clearly violent and accidental.
If the injury results in death, we will be entitled to have a post-mortem examination undertaken. This will be done at our own expense.
Disappearance
We will pay out the death benefit if you have disappeared, or are presumed dead by a court of law. There also has to be reasonable evidence that this was as a result of an injury as defined in this section.
If you are subsequently found to be alive, the pay-out has to be refunded by the person to whom it was made.
Exposure
We will pay if you are injured as result of exposure to the elements after an accident or an accident of the vehicle you are travelling in. Injury here includes the effects of thirst and starvation. So any claim is settled simply by referring to the schedule of compensation below:
Schedule of compensation
○ death
○ medical benefit
○ disability
Bereavement benefit
− sum insured stated in the Schedule
− sum insured stated in the Schedule
− as stated in the disability table
In the event of an accident giving rise to a death claim, we will pay the benefit stated in the Schedule as a contribution towards bereavement expenses.
Trauma counselling
We will pay the benefit stated in the Schedule if you require professional counselling as a result of a traumatic insured event, for example, a fire, theft, hold-up, hijacking or assault.
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