Page 172 - Hollard Private Portfolio

EnRoute – Personal accident
Death following permanent disability
If death follows after we have already paid out for permanent disability, we do not pay more than the the limit stated in the Schedule.
Temporary-disability and medical expenses are extra
The payment of medical expenses and temporary-disability benefits are always in addition to any pay-out you receive for any death or permanent disability benefits.
Temporary-disability payments stop when injury has healed
When it is reasonably clear that your injury has healed, we stop paying your temporary-disability benefits, even if you remain permanently disabled afterwards.
Disability affects pay-out
The pay-out that you receive for disability depends on the extent to which you are disabled: the more severe your disability, the higher the pay-out. See table on next page.
You can claim under only one "EnRoute" policy
If you should have more than one "EnRoute" policy, we will pay out on the policy with the highest benefits.
Who we pay
We pay directly to the person who is injured, whether it’s you or a passenger. If we cannot because of death, then we pay the person’s legal representative or their estate.
Example
If your death limit is R150 000 and you die after we have already paid out R100 000 for permanent disability, we will pay out an additional R50 000. If, however, you received R150 000 for permanent disability, then no further pay-out will be made when you die.
170 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020