Page 212 - Agriculture Policy Wording Binder

PROVISIONS
The insurance provided in this Section is subject to the following:
1. The Company will not be liable to pay for Death, Permanent Total Disability, or Medical Expenses resulting from a Road Accident or series of Road Accidents arising from one cause in respect of any one Insured Person, more than the applicable Benefit payable for Death or Permanent Total Disability (whichever is the higher). Medical Expenses benefits shall be paid in addition thereto subject always to the policy limits stated in the Schedule.
2. The compensation for Temporary Total Disability shall cease as soon as the bodily injury causing the incapacity has healed insofar as it is reasonably possible notwithstanding that Permanent Disability may remain but shall in any event not be payable for more than the number of weeks stated in the Schedule.
3. The Company will not be liable for more than the limits stated below in respect of Death benefits for Insured Persons under 15 (fifteen) years of age:
3.1 up to 6 (six) years of age the maximum compensation amount of R20 000 (twenty thousand rand);
3.2 over 6 (six) years of age and but not exceeding 14 (fourteen) years of age the maximum compensation amount of R50 000 (fifty thousand rand).
4. The Company will not be liable in respect of any Insured Person to pay weekly benefits more than the average weekly earnings of such Insured Person for the 12 (twelve) months (or part thereof) preceding the accident in respect of Temporary Total Disability.
5. The Company will not be liable for more than 25% (twenty five percent) of the benefit for Temporary Total Disability in respect of Insured Persons who are unemployed at the time of the Road Accident.
6. The Company will not be liable for any amount payable in respect of Temporary Total Disability in respect of any Insured Person under the age of 15 (fifteen) years or any person over the age of 15 (fifteen) years who is a student and not in full-time employment.
7. The Permanent Total Disability benefit shall be increased from 100% (one hundred percent) to 200% (two hundred percent) of the benefit amount stated in the Schedule of the policy in respect of an Insured Person under the age of 15 (fifteen) or 24 (twenty four) years if in full time education and normally resident with the Insured and who is not entitled to the Temporary Total Disability benefit.
8. The Insured Person shall not be insured under more than one En-Route On-Road Insurance Policy with the Company. However, if an Insured is covered b y more than one En-Route On-Road Insurance Policy with the Company, only the En-Route On-Road Insurance Policy with the highest benefit will be called upon to indemnify the Insured Person, but subject always to the terms and conditions of that Policy.
SPECIAL PROVISIONS AUTOMATIC TERMINATION
The cover provided by this Section shall terminate automatically when the Insured attains the age of 75 (seventy five) years.
CLAUSES AND EXTENSIONS
1. Disappearance
In the event of the disappearance of the Insured in circumstances which reasonably satisfies the Company that the Insured has sustained bodily injury and that such bodily injury has resulted in the death of the Insured immediately prior to their disappearance, the Company will presume the Insured's death and pay such death benefits as may be applicable under the Policy;
PROVIDED THAT:
if after the Company has made payment of such benefit, the Insured is found to be alive, such benefit shall forthwith be refunded to the Company by the Insured or the Insured's estate as the case may be.
2. Exposure
Bodily injury shall include injury caused by starvation, thirst and/or exposure to the elements directly or indirectly resulting from a Road Accident.
Enroute On-Road Insurance
Page | 210 Policy Wording – Agriculture – Binder – Version 2 2023