Page 291 - Agriculture Policy Wording Binder

Personal Accident
Body transportation costs
In the event that there is a valid claim for Accidental Death, the Company will pay the reasonable and necessary expenses incurred in the repatriation of the Insured Person’s mortal remains to his/her normal place of residence;
PROVIDED THAT:
the liability of the Company shall not exceed R75 000 (seventy five thousand rand) for any one Insured Person.
Childcare
In the event of Accidental Bodily Injury to:
1. an Insured Person’s child resulting in disability which requires regular care and attendance;
2. an Insured Person or his/her spouse resulting in disability which prevents care being given to a child;
the Company will pay to the Insured Person R300 (three hundred rand) per day during the period of such disability; PROVIDED THAT:
the Company will:
1. not be liable for the first 7 (seven) days of each and every claim;
2. only be liable for a period not longer than 28 (twenty eight) days in respect of each and every claim;
3. only be liable for a maximum of R15 000 (fifteen thousand rand) in respect of any Insured Person in any one 12 (twelve) month period of insurance, irrespective of the number of children the Insured Person has;
4. only be liable for a maximum of R100 000 (one hundred thousand rand) per Policy in any 12 (twelve) month period of insurance;
5. not be liable for any claim in respect of a child who is more than 16 (sixteen) years of age;
6. only be liable if continuous treatment and attendance by a qualified, registered medical practitioner is necessary for the condition rendering the child or parent(s) disabled;
7. only be liable if the child is permanently resident with the Insured Person.
Crime benefit
In the event that the Insured Person’s Death or Permanent Disability is as a direct consequence of a crime, the Company will pay an additional 10% (ten percent) of the Insured Person’s Death or Permanent Disability benefit up to a maximum amount of R100 000 (one hundred thousand rand).
Detention
In the event of the detention under duress of any Insured Person, other than by reasons of:
1. engagement (or alleged engagement) in any political activity against the de jure or de facto Government of the country where the detention occurs;
2. failure to be in possession of the requisite visas, work permits or associated documents required by such country;
3. involvement (or any allegation thereof) in any criminal activity;
4. debt, insolvency, commercial failure, failure to provide any bond or security or other financial loss;
the cover in terms of this Section shall continue in force for the duration of such an occurrence, or 12 (twelve) months from the date of such occurrence, whichever is the lesser period.
If Temporary Total Disability is insured, the Company will regard Detention of the Insured Person as a claim for Temporary Total Disability.
Disappearance
If after a suitable period of time of the disappearance of an Insured Person it is reasonable to believe that such person has died as a result of Accidental Bodily Injury the Death benefit shall be payable;
PROVIDED THAT:
if such belief is incorrect such benefit shall be repaid to the Company by the Insured.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 289