Page 91 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 6 – Personal accident
○ Medical benefit means we will pay you the limit stated in the schedule as a result of bodily injury due to an
accident incurred within 24 months from the accident.
○ Mobility cover means costs up to the limit stated in the schedule for a wheelchair and alterations to your vehicle
following your permanent disability as a result of an accident. However, these must not be recoverable from any
other insurance policy including any other cover you may have.
○ Motor vehicle accident and/or hijacking means payment for the policyholder’s death or disablement caused
directly by bodily injury due to an accident and/or hijacking occurring within 12 months of the accident/hi-jacking,
up to the limit stated in the schedule per person and up to the limit stated in the limit schedule per incident.
○ Cover is always limited to the amount stated in the schedule, per incident.
○ Permanent disablement means cover for your permanent disablement caused directly by bodily injury due to
an accident occurring within 12 months of the accident. We will pay a percentage, as specified for the particular
permanent disability in the following 'Schedule of Benefits' below applied to the policyholder’s current annual
earnings up to the limit stated in the schedule per person.
○ Rehabilitation costs means in the event of us having admitted a claim for permanent disability, we will contribute
to such retraining or rehabilitation costs up to the limit stated in the schedule.
○ Repatriation means in the event of a claim being payable under the death-related benefit, we will pay the
reasonable and necessary expenses incurred in the repatriation of the remains of the deceased to his/her normal
place of residence for burial. We will pay up to the limit stated in the schedule.
○ Temporary total disablement means weekly payment for temporary total disablement occurring within 12 months
of the accident. We will pay the limit stated in the schedule of your current weekly earnings for a period not
exceeding 104 weeks, excluding the first seven days from the date of the accident in respect of each and every
claim, up to the basic cover limit stated in the schedule.
○ Temporary partial disablement means weekly payment for temporary incapacity occurring within 12 months
of the accident. We will pay the limit stated in the schedule of your current weekly earnings for a period not
exceeding 104 weeks, excluding the first seven days from the date of the accident in respect of each and every
claim, up to the basic cover limit stated in the schedule.
○ Trauma treatment means costs you pay for trauma treatment by a registered professional counsellor for trauma
following a violent act of theft, burglary, hold-up, hijacking/attempted hijacking or fire, provided that these must
not be recoverable from any other insurance including any facility you may have up to the limit stated in the
schedule.
PLEASE NOTE
○ If an incident becomes payable under more than one benefit, the total amount will not exceed the limit stated in
the schedule of the maximum for each person/s.
○ Where the injury is not specified we will apply a percentage of disablement which is consistent with the 'Schedule
of Benefits'.
○ If payment of any claim is made for 100% of the limit as stated in the 'Schedule of Benefits' any further liability
ceases immediately.