Page 102 - Bay Union - Platinum Policy Wording
P. 102

Sec on 6 – Personal accident
What is not covered
The following situa ons are not covered, unless speci cally stated as covered below:
○ Death, disability or medical expenses due to suicide, a empted suicide or inten onal self-injury; insanity; neurosis; stress-related condi ons; any physical disability or in rmity, illness or disease that you already had when the policy started.
○ A pre-exis ng medical condi on, physical defect or other in rmity.
○ Mental and/or nervous disorders or any like condi on arising from or a ributable to stress or stress-related
condi ons.
○ Injury as a result of being under the in uence of intoxica ng liquor or drugs.
○ Payment up to the limit stated in the schedule for the death or disablement of any domes c 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 par cipa on in any of the following:
– sport as a professional player/athlete
– defence force, police services or correc onal services
– crewman on a ship or oil rig
– underground mining and tunnelling
– motorcycle riding, wrestling, boxing or mar al arts, skydiving, paragliding, steeple-chase, hang-gliding, mountaineering, rugby, sports of any kind on ice or snow, wrestling or parachu ng
– speed or endurance tests and racing (other than on foot)
– big-game hun ng
– mountaineering where the use of ropes or a guide is necessary
– travelling by air other than as a passenger in a licensed passenger-carrying aircra , piloted by a quali ed person
– underground mining and tunnelling
– manufacture or use of explosives, ammuni on and the re ning of petroleum
– wilful misconduct
– riot or civil commo on.
○ Death,
the death of a minor child under the age of 16, the bene t payable will be subject to the current amount dictated by legisla on at the  me of death but will never exceed the limit stated in the schedule.
disability or medical expenses if you are younger than 16 years of age or older than 70 years. In the event of
100 Bay Union – Pla num Policy Wording – 24 October 2016

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