Page 153 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
EnRouteTM – Personal accident
○ for children 6 years and older, but younger than 14 years of age, we pay up to the limit stated in your policy
schedule.
Temporary disability
○ for unemployed persons, we will pay up to the limit stated in your policy schedule
○ the following categories of people do not qualify for temporary-disability benefit:
– children under 15 years of age
– students who are not full-time employees
○ for the weekly temporary-disability benefit, the maximum we will pay is the limit stated in your policy schedule.
Death following permanent disability
If death follows after we have already paid out for permanent disability, we do not pay more than the limit stated in your
policy schedule.
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.
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.
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.
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%