Page 293 - Agriculture Policy Wording Binder

Personal Accident
PROVIDED THAT:
1. the maximum amount payable by the Company will be R50 000 (fifty thousand rand) any one such person each and every claim, and subject to a maximum of R200 000 (two hundred thousand rand) in any one 12 (twelve) month period of insurance;
2. the Company will not be liable for the first R250 (two hundred and fifty rand) of each and every claim;
3. the Company will only be liable for the amounts in excess of amounts paid or payable under any other policy or under any Medical Aid Scheme, or Road Accident Fund or otherwise known, or as may be amended by legislation.
Hijacking/abduction/kidnapping
In the event of the unlawful seizure or wrongful exercise of control of any aircraft or conveyance (including the crew thereof) in which the Insured Person is travelling, or the abduction or kidnapping of the Insured Person, the cover in terms of the Temporary Total Disability section of this Policy shall continue in force for the duration of such an event, or 12 (twelve) months from the date of such event, whichever is the lesser period.
If Temporary Total Disability is insured, the Company will regard the hijacking, abduction or kidnapping of an Insured Person as a claim for Temporary Total Disability;
PROVIDED THAT:
1. the Company’s liability is limited to the period of hijacking, abduction or kidnapping or 12 (twelve) weeks, whichever is the lesser;
2. no compensation shall be payable if any member of the Insured Person’s immediate family is involved in the hijacking, abduction or kidnapping as a principal or accessory.
Life support
Notwithstanding anything contained in the Defined Events, the 24 (twenty four) month period stated therein shall not include any period or periods where the death of the Insured Person is delayed solely by the use, for a period or periods of not less than 3 (three) consecutive days, of life support machinery, equipment or apparatus.
Life support equipment
The Company will pay reasonable costs and expenses incurred by an Insured Person as a result of Accidental Bodily Injury in respect of hire costs for life support machinery, equipment or apparatus;
PROVIDED THAT:
the liability of the Company under this Extension shall be limited to R100 000 (one hundred thousand rand) in respect of any one Insured Person in each and every occurrence.
Mobility costs
When the Company has admitted a claim for Permanent Disability, if as a direct result of that disability the Insured Person is permanently dependent on a wheelchair for mobility, the Company will, in addition to any amount payable for Permanent Disability, pay for:
1. a self-propelled wheelchair;
2. the fitting of wheelchair loading equipment and alterations to the Insured Person’s residence to facilitate the use
of such wheelchair;
3. the modification of the controls of the Insured Person’s motor vehicle including wheelchair loading equipment if
necessary;
PROVIDED THAT:
the liability of the Company for such costs in respect of any one claim shall not exceed R250 000 (two hundred and fifty thousand rand) per Insured Person.
Operating time
Coverage applies 24 (twenty four) hours a day, 7 (seven) days a week unless otherwise restricted by endorsement and/ or memorandum to this Section.
Policy Wording – Agriculture – Binder – Version 2 2023 Page | 291