Page 298 - Agriculture Policy Wording Binder

4. for
spouse(s) only in the capacity as owner(s), co-owner(s) or tenant(s) of the property occupied for farming purposes;
the purposes of this Extension the term “such person” will be limited to the Insured(s) and his/her/their
5. the amount payable in terms of this Extension will be payable in addition to compensation for Death stated in the Schedule against such person.
HIV accidental exposure
If an Insured Person becomes infected with Human Immunodeficiency Virus “HIV” as a result of an accidental bodily exposure arising from and in the course of his employment, the Company will pay to the Insured, on behalf of the Insured Person or his/her estate, the amount stated in the Schedule.
For the purposes of this Optional Extension an Insured Person does not become infected with “HIV” within the meaning of this Insurance unless;
1. within a period of 24 (twenty four) hours, following the accidental exposure, the Insured Person makes an official report of such exposure to the nominated responsible person within the Insured’s organisation, who in turn within 72 (seventy two) hours must provide written notice to the Company of such accidental exposure; and
2. within 72 (seventy two) hours of such exposure, the Insured Person undertakes a test performed by a registered medical practitioner in accordance with laboratory and clinical criteria representing good clinical practice at that date which demonstrates that the Insured Person does not have Human Immunodeficiency Virus; and
3. within a period of 3 (three) calendar months from the date of the accidental exposure and during his lifetime the Insured Person is first diagnosed by a registered medical practitioner as being “HIV” positive, the diagnosis being made in accordance with laboratory and clinical criteria representing good clinical practice at that date.
Specific Conditions
1. The Company is entitled to require any test to be duplicated by a registered medical practitioner of their choice.
2. If the result of any test carried out by the Insured Person’s registered medical practitioner is different from the test carried out by the Company’s registered medical practitioner, then a final test shall be carried out by another registered medical practitioner who is acceptable to both parties or failing agreement, a registered medical practitioner will be appointed by the President of the Medical Association of South Africa and his/her determination shall be binding.
Personal Accident
5. The Accident Expert Assistance services are only available for Accident, injury or incident that occurs in the Republic of South Africa.
6. At the time of the Accident, injury or incident the Insured and the Insured Person must comply with the legal and regulatory matters required by the Acts governing the Compensation Commissioner in terms of COIDA and/or the RAF.
7. The Accident Expert Services provided by Roadcover does not guarantee performance from or by the Compensation Commissioner (COIDA) and/or the RAF.
Farm murders
In the event of the death of such person as a result of murder, exclusively caused by and directly in connection with an attack on the farm, the Company will pay double compensation in respect of Additional death benefit;
PROVIDED THAT:
1. the maximum additional amount payable in respect of death of any one such person in terms of this Extension will not exceed R30 000 (thirty thousand rand);
2. cover in terms of this Extension will be limited to murder which took place on property occupied for farming purposes, the property of, or occupied as tenant or utilized by such person or such person’s spouse;
3. insurance cover on at least five Sections of this Policy shall be in force which must include the following Sections:
3.1 Fire;
3.2 Householders;
3.3 Motor;
3.4 Public Liability;
3.5 Personal Accident
Page | 296 Policy Wording – Agriculture – Binder – Version 2 2023