Page 103 - Hollard Private Portfolio - Version 3.4

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 your schedule. sum insured stated in your 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 your policy schedule as a contribution towards bereavement expenses.
Hospital benefit
This benefit pays a daily allowance for any non-medical expenses if an insured person requires hospitalisation after sustaining bodily injury in an accident.
○ We will pay the amount shown in your policy schedule for each day in hospital, up to the maximum amount shown in your policy schedule for a 12 month period.
○ Hospitalisation means that an insured person is admitted to a registered medical facility for a continuous period of at least 24 hours.
This benefit does not provide the benefits of a medical scheme and is not a substitute for medical scheme membership. Trauma counselling
We will pay the benefit stated in your policy 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
The exclusions set out in the General exclusions cover section do not apply to the benefits payable under the Personal accident section. However, the conditions set out in the Understanding your policy section will still apply.
We do not cover any claims for loss or damage directly caused by, or related to, any of the following exclusions. These are not all the instances where we do not provide cover, some benefits described in this section may have exclusions that apply only to them.
Asbestos
We do not cover any legal liability or consequential loss because of the presence of asbestos in any form or quantity. This is because of the hazardous nature of asbestos.
Aviation
There is no cover if an insured person who engages in aviation activities for recreation or travels by air, except as a paying passenger in a fully licensed aircraft.
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023 101