Page 78 - Hollard Namibia – Motor & Household Policy Wording

Personal Accident
What we cover you for
Bodily injury
We cover you for bodily injury sustained anywhere in the world that results in:
o death within 24 months;
o medical expenses;
o permanent disability within 24 months;
o temporary disability lasting longer than 7 days.
The bodily injury must have been sustained directly as a result of an event that was clearly violent and accidental.
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 payout has to be refunded by the person to whom it was made.
Exposure
We will pay if you are injured as a 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.
Funeral benefit
In the event of an accident giving rise to a death claim, we will pay the benefit stated in the LIMIT SECTION as a contribution towards funeral expenses.
Trauma counselling
We will pay the benefit stated in the LIMIT SECTION if you require professional counselling as a result of a violent act of theft, hold-up, hijacking or unlawful assault.
Conditions for cover
Be aware of the age limit
You must be older than 18 years and younger than 75 years to be covered by this policy. No payment will be made to anyone outside these age limits.
We may request a post-mortem
In the event of death we may request a post-mortem to be done, even if you die as a result of an injury. This will be done at our own expense.
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