Page 79 - Hollard Namibia – Motor & Household Policy Wording

Personal Accident
Your specific responsibilities
Seek immediate medical treatment
In the event of an accident that could result in a claim, you must immediately see a registered medical practitioner, and follow the prescribed treatment.
Agree to regular medical examinations
You must submit yourself to any medical examination that we require of you, as and when required. We will pay for these medical examinations.
Who we pay
We pay you, or any person or beneficiary named in the SCHEDULE. In the event of your death, payment is made to your legal representatives, your estate or the person you have nominated in the policy as your beneficiary.
What is not covered
High-risk activities
We do not cover claims when engaging in activities where the risk involved is clearly high, with an increased chance of injury or death:
o parachuting, skydiving, bungee-jumping, bridge-jumping, base-jumping, hang-gliding, paragliding, polo, steeple-chase, rugby, sports of any kind on ice or snow, wrestling, martial arts, scuba diving and waterskiing;
o speed or endurance tests, and racing (other than on foot);
o flying (other than as a passenger in a licensed passenger-carrying aircraft, piloted by a qualified person); o big-game hunting;
o mountaineering where the use of ropes or a guide is necessary.
High-risk occupations
We do not cover claims resulting from the following occupations where the risk involved is clearly high, with an increased chance of injury or death:
o a member of the armed forces;
o a crewman on a ship or oil-rig;
o underground mining and tunneling;
o the manufacture of ammunition and the refining of petroleum; o professional sport (for example: rugby, motor-racing).
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