Page 141 - Hollard Private Portfolio - Version 3.4

EnRouteTM – Personal accident
Temporary-disability and medical expenses are extra
The payment of medical expenses and temporary-disability benefits are always in addition to any pay-out you receive for any death or permanent disability benefits.
Temporary-disability payments stop when injury has healed
When it is reasonably clear that your injury has healed, we stop paying your temporary-disability benefits, even if you remain permanently disabled afterwards.
Disability affects pay-out
The pay-out that you receive for disability depends on the extent to which you are disabled: the more severe your disability, the higher the pay-out.
You can claim under only one EnRoute policy
If you should have more than one EnRoute policy, we will pay out on the policy with the highest benefits.
Who we pay
We pay directly to the person who is injured, whether it’s you or a passenger. If we cannot because of death, then we pay the person’s legal representative or their estate.
DISABILITY TABLE
Nature of the injury causing disability
% of amount shown in your policy schedule
Complete and irreversible loss of:
○ Speech
○ Hearing in both ears
○ Hearing in one ear
○ Sight in both eyes
○ Sight in one eye
Total and permanent physical separation, or loss of function of:
○ One arm or both arms
○ One leg or both legs
○ One arm and one leg
○ Both hands or both feet
○ One hand or one foot
○ One hand and one foot
○ Four fingers of either hand
○ Thumb of either hand
○ Any other finger of either hand
○ All toes on one foot
○ Great toe of either foot
○ Any other toe
100% 100% 25% 100% 50%
100% 100% 100% 100% 50% 100% 70% 30% 5% 30% 10% 2%
Hollard Private Portfolio – Version 3.4 – 17 Aug 2023
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