Page 152 - Hollard Private Portfolio - Version 3.5

150 Hollard Private Portfolio – Version 3.5 – 7 May 2024
EnRouteTM – Personal accident
Key terms to understand
Accident An accident refers to either of the following:
○ A vehicle accident involving your insured vehicle which happened unexpectedly
and unintentionally at an identifiable time and place, and results in death or
bodily injury.
○ The actual or attempted hijacking of the insured vehicle or motorcycle by means
of violence or the threat of violence, which results in death or bodily injury.
Bodily injury Physical injury to a person’s body caused by accidental, external and visible means. This
includes injury caused by starvation, thirst and exposure to the elements. Bodily injury
includes an illness that was caused solely and directly by medical or surgical treatment
following accidental bodily injury. This does not include any pre-existing illness, medical
condition, disability or injury that existed at any time before the cover start date.
Insured persons
○ The driver of your vehicle and the passengers. We will only cover the number
of occupants that your vehicle is licensed to carry, up to a maximum of ten
occupants, including the driver.
○ The rider of your motorcycle and one passenger.
Medical practitioner A person who is legally licensed and qualified to practise medicine and surgery as required
by the laws of the Republic of South Africa. This person may not be the policyholder, an
insured person or any member of their family.
Your vehicle Any vehicle insured under the Motor section of this policy at the time of the accident,
and for which a valid claim has been accepted by us.
Conditions for cover
○ Age limit: An insured person must be six months or older, but not older than 80 years at the date of an accident.
○ Period of insurance: We cover accidents which happen during the period of insurance.
○ Time limit: We only cover the death, disability or bodily injury of an insured person if it happens within
24 months from the date of the accident.
○ Territorial limits: We cover an insured person if they are in a motor vehicle accident in South Africa, Angola,
Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, eSwatini, Tanzania, Uganda, Zambia and Zimbabwe.
Paying out after a claim
How much we pay
We pay out the exact amount of cover that you chose when you signed up for this policy. So any claim is settled simply
by referring to the Schedule of compensation below:
○ death − as stated in your policy schedule.
○ medical expenses − up to the limit as stated in your policy schedule.
○ permanent disability – as shown in the disability table.
○ temporary disability − the weekly benefit as stated in your policy schedule.
Certain pay-outs are limited
Under the following circumstances, we pay less than the benefits stated in the Schedule:
Death
○ for children 6 months and older, but younger than 6 years of age, we pay up to the limit stated in your policy
schedule.