Page 105 - Hollard Private Portfolio - Version 3.4

Personal accident
Losses covered by legislation
We do not cover loss or damage as a result of any event where compensation is provided for by written law in South Africa, or any other country where this policy might apply. An example in South Africa is the Road Accident Fund Act.
Not because of an accident
We do not cover death, disability or bodily injury which is not a direct result of an accident but is instead related to a physical disability, illness or any communicable disease.
Nuclear events and substances
We do not cover any event related to radioactive or nuclear material in any way.
Pre-existing conditions
There is no cover for death, disability or bodily injury that was caused by an illness, medical condition, disability or injury that existed at any time before the cover start date. This exclusion does not apply to an illness that was caused solely and directly by medical or surgical treatment following accidental bodily injury.
Pollution and contamination
There is no cover for liability, loss or damage caused by or related in any way to pollution or contamination. There is also no cover for the cost of removing, nullifying or cleaning up seeping, polluting or contaminating substances. Pollution or contamination means the discharge, release, dispersal, seepage or escape of any solid, liquid, gas, contaminant or pollutant.
For example: Humidity, fumes, smoke, soot, chemicals, acids or waste. Psychiatric conditions
We do not cover death, disability or bodily injury that was caused by stress, stress-related symptoms, psychosis, neurosis, or diagnosed psychiatric or nervous disorders.
Trade and economic sanctions
If an insured person is subject to trade and economic sanctions, we cannot provide cover if it means we would not comply with such trade or economic sanctions.
Your specific responsibilities
Seek immediate medical treatment
In the event of a personal accident likely to lead to a claim, you must immediately see a registered medical practitioner, and follow any treatment that is recommended.
Agree to regular medical examinations
You must submit to any medical examination that we require of you, as often as required. We will pay for these medical examinations.
Tell us of important changes
You must tell us immediately of any changes to your health or lifestyle that are likely to have an effect on your risk profile. Examples are:
○ a serious illness or any physical infirmity
○ a career change that results in a more hazardous occupation.
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023 103