Page 122 - Hollard Business Branch Policy Wording

Group Personal Accident
Temporary total disablement – sickness
This Sec on is extended to cover Temporary Total Disability of the Insured Person caused by sickness or disease of the body contracted and commencing a er the incep on of this Sec on subject to all the Terms, Condi ons, Provisions and Exclusions of the Policy;
PROVIDED THAT:
no compensa on shall be payable under this Extension:
1. in respect of sickness or disease for which the Insured Person had received treatment, or medical advice, prior to the incep on of this Sec on;
2. for sickness manifes ng itself within the rst 30 (thirty) days a er the incep on of this cover;
3. for the rst 30 (thirty) days of any period of disablement following sickness;
4. in respect of any Insured Person who has a ained the age of 65 (sixty ve) years;
5. in respect of:
5.1 venereal or other socially transmi ed diseases;
5.2 congenital abnormali es and condi ons arising out of or resul ng there from;
5.3 any mental and/or nervous disorders, or any like condi on arising from or a ributable to stress or stress- related situa ons.
SERIOUS ILLNESS
Should an Insured Person be diagnosed during the period of insurance as su ering from a Serious Illness, symptoms of which were not present in such Insured Person up to 12 (twelve) months before incep on of this Extension, the Company will pay the compensa on as stated in the Policy Schedule.
DEFINITIONS
Serious illness means any of the following:
1. Alzheimer’s
The deteriora on or loss of intellectual capacity or abnormal behaviour arising from Alzheimer's disease or irreversible organic disorders (excluding neurosis and any psychiatric illness) resul ng in signi cant reduc on in mental and social func oning and requiring the eventual supervision of the Insured Person. The diagnosis must be clinically con rmed by an appropriate consultant and con rmed by the Company's medical consultants.
2. Blindness
The total and irreversible loss of vision in both eyes but excluding blindness caused by accidental, violent, external and visible means.
3. Cancer
A disease manifested by the presence of a malignant tumour characterised by the uncontrolled growth and spread of malignant cells, and the invasion of normal surrounding ssue. All cancers diagnosed and treated by primary biopsy only, that is, not requiring any further surgical, medical (chemotherapy, and the like) or radio therapy, or other modali es are excluded.
The term "Cancer" also includes Leukaemia and Hodgkin’s Disease but excludes:
3.1 all skin cancers;
3.2 cancer–in-situ, including melanoma-in-situ.
4. Chronic Coronary Heart Disease
Open bypass surgery or open surgical treatment of coronary disease but excluding angioplasty and any other intra-arterial procedures.
Hollard Business Policy – Branch – Version 1 2018 Page | 121