Page 109 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal accident
Mobility cover
If we accept a claim for the Permanent disability benefit, and an insured person needs a wheelchair or any other
appliance for mobility, we will pay for the following costs:
○ A wheelchair or any prosthesis needed for mobility.
○ Alterations to an insured person’s home to facilitate the use of a wheelchair.
○ Modification of the controls of an insured person’s vehicle, including wheelchair loading equipment. We will
only pay this benefit once per insured person.
Rehabilitation costs
If we accept a claim for the Permanent disability benefit, and an insured person is unable to perform all aspects of their
occupation at the time of the accident, we will pay for the cost of a rehabilitation programme.
○ Rehabilitation programmes are re-skilling, re-training or medical treatment programmes to help an insured
person’s ability to perform the duties of either of the following:
– An insured person’s occupation as at the time of the accident.
– Any occupation for which an insured person has the required knowledge, skills or ability, or can
reasonably be trained in.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
Return of a body
If we accept a claim for the Death benefit, we will pay the reasonable and necessary costs to return the body of a
deceased insured person from the place of death to the place of burial in South Africa.
Return of an injured person
If an insured person sustains bodily injury because of an accident, we will pay the reasonable and necessary costs to
return an insured person from the hospital to their normal place of residence in South Africa. The following conditions
apply to this benefit:
○ You must ask us for our permission before you arrange for the return of an insured person.
○ The insured person’s injury must be of such a serious nature that it prevents them to return home unaccompanied.
Search and rescue
If an insured person sustains bodily injury because of an accident, we will pay the reasonable search and rescue costs.
○ This benefit includes freeing and bringing the insured person to a place of safety, or to prevent bodily injury.
○ If the insured person is found in circumstances which are unlikely to have resulted in bodily injury, we may ask
you to pay back any benefit paid by us.
Trauma counselling
We will pay the cost of professional counselling to help an insured person cope with trauma after a traumatic accident
or an act of violence such as assault, robbery, sexual assault or armed hijacking.
○ We will also pay for the cost of professional counselling for an insured person’s immediate family members who
were exposed to the same trauma as the insured person.
○ Your policy schedule shows the limit for every counselling session, plus an overall limit for all the sessions of the
same person, plus an overall maximum in any 12-month period.
○ The following conditions apply to this benefit:
– The incident must be reported to the police and you must give us the police case number.
– We will not pay if the insured person or family member is covered under another insurance policy for
a similar benefit.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.