Page 154 - Hollard Private Portfolio - Version 3.5

152 Hollard Private Portfolio – Version 3.5 – 7 May 2024
EnRouteTM – Personal accident
Nature of the injury causing disability % of amount shown in your policy schedule
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%
What we cover you for
Bodily injury
We cover you for bodily injury sustained within the territorial limits that result in:
○ death within 24 months
○ temporary inability to attend to your normal occupation for a maximum of 52 weeks
○ permanent disability within 24 months
○ permanent disability for any suitable occupation within 24 months.
We will also pay for actual medical expenses and emergency travel costs incurred as a result of the bodily injury, for up
to 24 months.
The bodily injury must have been sustained directly as a result of an event that was clearly violent and accidental.
Disappearance
We will pay out the death benefit if you have disappeared, or are presumed dead by a court of law. There also has to be
reasonable evidence that this was as a result of bodily injury as defined in this section.
If you are subsequently found to be alive, the pay-out has to be refunded by the person to whom it was made.
Exposure
We will pay if you are injured as a result of exposure to the elements after an accident involving the vehicle you are
travelling in. Injury here includes the effects of thirst and starvation.
Trauma counselling
We will pay the benefit stated in your policy schedule if you require professional counselling as a result of a violent act
of theft, hold-up, hijacking or unlawful assault following an accident involving your vehicle.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.