Page 111 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal accident
– any contact sports
– big-game hunting
– mountaineering where the use of ropes or a guide is necessary
– a crewman on a ship or oil-rig
– underground mining and tunnelling
– the manufacture of ammunition and the refining of petroleum.
○ Irresponsible actions
If an insured person does any of the following:
– Deliberately or recklessly exposes themselves to the risks and events that led to the claim, except
where an insured person attempts to save a human life.
– Attempts or commits suicide or deliberately inflicts injury on themselves.
– Refuses to seek and follow reasonable medical advice or treatment.
– Drives while under the influence of alcohol, or where the alcohol content in an insured person’s body
exceeds the legal limit.
– Takes poison or is under the influence of drugs or medication, unless the medication was prescribed
by a medical practitioner and taken in the correct dosage.
○ Military or police activities
If an insured person is in active service with the defence force, police services or correctional services.
○ Professional sports
If an insured person participates in a professional capacity in any sports and/or entertainment.
○ Warlike activities
Nuclear, biological and chemical warfare or sabotage, or if an insured person actively takes part in any of the
following:
– War, invasion, rebellion, revolution, uprising, riot, civil commotion, strike, or the seizing of power.
– Labour disturbance, including a riot, commotion or other form of public disorder in the workplace.
Losses covered by other legislation
This is for any event where compensation is provided for by written law in South Africa, or any other country where this
policy might apply. An example in South Africa is the Road Accident Fund Act.
Not because of an accident
We do not cover death, disability or bodily injury which is not a direct result of an accident but is instead related to a
physical disability, illness or any communicable disease.
Nuclear events and substances
We do not cover any event related to radioactive or nuclear material in any way.
Pollution and contamination
There is no cover for liability, loss or damage caused by or related in any way to pollution or contamination. There is also
no cover for the cost of removing, nullifying or cleaning up seeping, polluting or contaminating substances. Pollution
or contamination means the discharge, release, dispersal, seepage or escape of any solid, liquid, gas, contaminant or
pollutant.
For example: Humidity, fumes, smoke, soot, chemicals, acids or waste.
Pre-existing conditions
There is no cover for death, disability or bodily injury that was caused by an illness, medical condition, disability or injury
that existed at any time before the cover start date. This exclusion does not apply to an illness that was caused solely and
directly by medical or surgical treatment following accidental bodily injury.