Page 156 - Hollard Private Portfolio - Version 3.5

154 Hollard Private Portfolio – Version 3.5 – 7 May 2024
EnRouteTM – Personal accident
What is not covered
The exclusions shown in the Understanding your policy section do not apply to the benefits payable under your En route
optional benefit. We will not pay a claim for any of the following:
Insured person’s actions cause death or disability
There is no cover if an insured person’s death or disability is directly or indirectly caused by any of the following:
○ Criminal activities
An insured person’s participation in any criminal activity.
○ Dangerous activities
If an insured person participates in any of the following:
– Any kind of racing, speed tests or endurance tests.
– Hang gliding, micro-lighting or parachuting.
○ 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.
○ 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.
Not because of an accident
We do not cover death, disability or bodily injury which is not a direct result of a motor vehicle accident but is instead
related to a physical disability, illness or any communicable disease.
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.
Psychiatric conditions
We do not cover death, disability or bodily injury that was caused by stress, stress-related symptoms, psychosis, neurosis,
or diagnosed psychiatric or nervous disorders.
Trade and economic sanctions
If an insured person is subject to trade and economic sanctions, we cannot provide cover if it means we would not
comply with such trade or economic sanctions.