Page 98 - Bay Union - Platinum Policy Wording
P. 98

Sec on 6 – Personal accident
What is covered
○ Death bene t means cover for death caused directly by bodily injury due to an accident occurring within 12 months of the accident. We will pay you the limit stated in the schedule.
○ Death-related bene t means in the event of a claim being payable under the death bene t, we will pay the limit stated in the schedule to make arrangements related to the death.
○ Disappearance means if you disappear and the remains are not found within 12 months, provided that su cient evidence is produced to conclude that an accident caused the death, we will pay the death bene t.
○ Life-support machinery means the 12-month period shall not include any period or periods where the death is delayed by the use of life-support machinery, equipment or apparatus. We will pay you up to the limit stated in the schedule for the cost of life-support machinery and equipment following an accident. However, this amount must not be recoverable from any other policy including any other cover you may have.
○ Loss of earnings means the loss of income during permanent or temporary disablement within the period as stated in the schedule.
○ Medical bene t means we will pay you the limit stated in the schedule as a result of bodily injury due to an accident incurred within 24 months from the accident.
○ Mobility cover means costs up to the limit stated in the schedule for a wheelchair and altera ons to your vehicle following your permanent disability as a result of an accident. However, these must not be recoverable from any other insurance policy including any other cover you may have.
○ Motor vehicle accident and/or hijacking means payment for the policyholder’s death or disablement caused directly by bodily injury due to an accident and/or hijacking occurring within 12 months of the accident/hi-jacking, up to the limit stated in the schedule per person and up to the limit stated in the limit schedule per incident.
○ Cover is always limited to the amount stated in the schedule, per incident.
○ Permanent disablement means cover for your permanent disablement caused directly by bodily injury due to an accident occurring within 12 months of the accident. We will pay a percentage, as speci ed for the par cular permanent disability in the following 'Schedule of Bene ts' below applied to the policyholder’s current annual earnings up to the limit stated in the schedule per person.
○ Rehabilita on costs means in the event of us having admi ed a claim for permanent disability, we will contribute to such retraining or rehabilita on costs up to the limit stated in the schedule.
○ Repatria on means in the event of a claim being payable under the death-related bene t, we will pay the reasonable and necessary expenses incurred in the repatria on of the remains of the deceased to his/her normal place of residence for burial. We will pay up to the limit stated in the schedule.
○ Temporary total disablement means weekly payment for temporary total disablement occurring within 12 months of the accident. We will pay the limit stated in the schedule of your current weekly earnings for a period not exceeding 104 weeks, excluding the  rst seven days from the date of the accident in respect of each and every claim, up to the basic cover limit stated in the schedule.
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Bay Union – Pla num Policy Wording – 24 October 2016


































































































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