Page 113 - Hollard Private Portfolio - Version 3.5

111
Hollard Private Portfolio – Version 3.5 – 7 May 2024
Personal accident
○ We do not pay interest on any amount due by us unless ordered to do so by a South African court of law or
agreed arbitrator.
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 the Disability table at the end of this cover section.
Our responsibility ends after we have paid a claim
Once we have paid a claim, we have met our responsibilities in terms of this policy. We will not be responsible for any
other costs relating to that claim.
If you do not agree with our claims decision
You may ask us to review our decision within 90 days from receiving our decision and you may take legal action against
us within 270 days from receiving our claims decision. Please refer to the process explained under How to complain in
the Understanding your policy section.
When cover ends
Cover for an insured person ends when any of the following happens:
○ You do not pay the premiums for the personal accident benefits.
○ An insured person turns 80 years old.
○ We pay a claim for 100% of the permanent disability benefit.
○ An insured person dies.
DISABILITY TABLE
Nature of the injury causing disability % of amount shown in your policy schedule
Complete and irreversible loss of:
○ Speech 100%
○ Hearing in both ears 100%
○ Hearing in one ear 25%
○ Sight in both eyes 100%
○ Sight in one eye 50%
Total and permanent physical separation, or loss of function of:
○ One arm or both arms 100%
○ One leg or both legs 100%
○ One arm and one leg 100%
○ Both hands or both feet 100%
○ One hand or one foot 50%
○ One hand and one foot 100%
○ Four fingers of either hand 70%
○ Thumb of either hand 30%
○ Any other finger of either hand 5%
○ All toes on one foot 30%
○ Great toe of either foot 10%
○ Any other toe 2%