Page 93 - Policy Wording - Hollard Prestige Portfolio

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Hollard Prestige Portfolio – Version 1.5 – 19 June 2024
Section 6 – Personal accident
Your obligations
○ Notice must be given to us in writing as soon as reasonably possible of any incident which may result in a claim.
○ Proof of earnings is a prerequisite for us paying any benefit.
○ Payment will be issued to you or your estate only.
○ Medical examinations must be undertaken at our cost, should we require it.
○ Medical advice means in the event of any bodily injury, which may result in a claim, medical advice must be sought
within a reasonable time and followed. We are not liable for any consequences resulting from your failure to seek
advice or to follow it, including the use of prescribed special apparatus.
○ Motor vehicle accident and/or hijacking cover applies provided that:
– you were wearing a safety belt at the time of a motor vehicle accident
– your vehicle was not being used for illegal purposes.
○ You must notify us of any serious illness or physical infirmity which, to your knowledge affects you or of a career
change that result in a more hazardous occupation.
What is not covered
The following situations are not covered, unless specifically stated as covered below:
○ Death, disability or medical expenses due to suicide, attempted suicide or intentional self-injury; insanity; neurosis;
stress-related conditions; any physical disability or infirmity, illness or disease that you already had when the
policy started.
○ A pre-existing medical condition, physical defect or other infirmity.
○ Mental and/or nervous disorders or any like condition arising from or attributable to stress or stress-related
conditions.
○ Injury as a result of being under the influence of intoxicating liquor or drugs.
○ Payment up to the limit stated in the schedule for the death or disablement of any domestic worker, nanny , au
pair or gardener as a result of bodily injury sustained in a motor accident or hijacking unless the vehicle is being
operated in the course of their employment.
○ Your participation in any of the following:
– sport as a professional player/athlete
– defence force, police services or correctional services
– crewman on a ship or oil rig
– underground mining and tunnelling
– motorcycle riding, wrestling, boxing or martial arts, skydiving, paragliding, steeple-chase, hang-gliding,
mountaineering, rugby, sports of any kind on ice or snow, wrestling or parachuting