Page 121 - Hollard Business Branch Policy Wording

Group Personal Accident
Speci c Condi ons
1. The Company is en tled to require any test to be duplicated by a registered medical prac oner of their choice.
2. If the result of any test carried out by the Insured Person’s registered medical prac oner is di erent from the test carried out by the Company's registered medical prac oner, then a nal test shall be carried out by another registered medical prac oner who is acceptable to both par es or failing agreement, a registered medical prac oner will be appointed by the President of the Medical Associa on of South Africa and his/her determina on shall be binding.
3. If the Insured Person so becomes infected with "HIV", the date of his/her infec on shall be deemed the date of the accidental exposure unless the contrary is shown.
4. Following a no ca on of an Occurrence which could give rise to a claim in terms of this insurance, the Company shall at all mes during and a er the insurance period have access to the Insured Person’s medical records as held by the Insured.
Speci c Excep ons
No claim shall be payable if:
1. the Insured Person takes or has taken drugs intravenously or subcutaneously unless in the course of medical treatment as prescribed by a registered medical prac oner;
2. it is directly or indirectly caused or contributed to by any medical condi on which was known or reasonably ought to have been known to the Insured Person and which has not been declared to and noted by the Company prior to the incep on of this insurance;
3. the Insured Person fails or refuses to promptly make himself or herself available for examina on or the associated tests required;
4. the Insured Person is no longer in the employment of the Insured when the "HIV" posi ve diagnosis is made.
HIV/Aids Assistance
The Company will provide the Insured Person with HIV/Aids Assistance services in respect of all claims arising from Accidental exposure to HIV/Aids subject to the standard Terms, Condi ons, Provisions and Exclusions as stated in Annexure “2” a ached to the Policy Schedule. Such claims for Accidental exposure to HIV/Aids have to be reported to the emergency number provided within 24 (twenty four) hours of the Accidental exposure.
The emergency contact number is 0861 555 114
The following bene ts provided and processes are more fully described in the Annexure “2” to the Policy Schedule.
1. 24 (twenty four) hour access to the call centre for informa on, procedural instruc ons, advice and support;
2. appointment of a case manager, physician, or trained nurse;
3. counselling regarding the HIV exposure (if not previously done) and;
4. necessary medical protocol that needs to be followed.
Should the Insured Person be HIV posi ve at ini al tes ng no further assistance will be provided.
War risks
It is declared and agreed that Speci c Excep on 7 is deleted in its en rety;
PROVIDED THAT:
1. the Company shall not be liable to pay compensa on in terms of this Extension for claims arising while the Insured Person is on service or duty or undergoing training with any military or police force;
2. this Extension may be cancelled at any me by the Company giving 30 (thirty) days’ no ce in wri ng.
Page | 120 Hollard Business Policy – Branch – Version 1 2018