Page 87 - Hollard Private Portfolio - Version 3.3

Personal accident
Disappearance
We will pay out the death benefit if you have disappeared, or are presumed dead by a court of law. There also has to be reasonable evidence that this was as a result of an injury as defined in this section.
If you are subsequently found to be alive, the pay-out has to be refunded by the person to whom it was made.
Exposure
We will pay if you are injured as result of exposure to the elements after an accident or an accident of the vehicle you are travelling in. Injury here includes the effects of thirst and starvation. So any claim is settled simply by referring to the schedule of compensation below:
Schedule of compensation
○ death −
○ medical benefit −
○ disability −
Bereavement benefit
sum insured stated in the Schedule sum insured stated in the Schedule as stated in the disability table
In the event of an accident giving rise to a death claim, we will pay the benefit stated in the Schedule as a contribution towards bereavement expenses.
Trauma counselling
We will pay the benefit stated in the Schedule if you require professional counselling as a result of a traumatic insured event, for example, a fire, theft, hold-up, hijacking or assault.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership.
What is not covered
Other cover
If you are covered under the “EnRoute” section of this policy there is no cover under this section for motor-related personal accident claims. All motor-related personal accident claims must be submitted under the “EnRoute” section.
Certain activities, actions or medical conditions
Skydiving, underground mining, self-injury, stress, etc.
High-risk sports
We do not cover claims resulting from the following sports where the risk involved is clearly high, with an increased chance of injury or death:
○ parachuting, skydiving, bungee-jumping, bridge-jumping, base-jumping, hang-gliding, paragliding, polo, steeple-chase, rugby, sports of any kind on ice or snow, wrestling, martial arts, scuba diving and water-skiing
○ speed or endurance tests, and racing (other than on foot)
○ flying (other than as a passenger in a licensed passenger-carrying aircraft, piloted by a qualified person)
○ big-game hunting
○ mountaineering where the use of ropes or a guide is necessary.
High-risk occupations
We do not cover claims resulting from the following occupations where the risk involved is clearly high, with an increased chance of injury or death:
○ a member of the armed forces
○ a crewman on a ship or oil-rig
○ underground mining and tunnelling
○ the manufacture of ammunition and the refining of petroleum
○ professional sport (for example, rugby, motor-racing).
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