Page 103 - Policy Wording - Hollard Prestige Portfolio 1.4

Section 6 – Personal accident
What is not covered
The following situations are not covered, unless specifically stated as covered below:
○ Death, disability or medical expenses due to suicide, attempted suicide or intentional self-injury; insanity; neurosis; stress-related conditions; any physical disability or infirmity, illness or disease that you already had when the policy started.
○ A pre-existing medical condition, physical defect or other infirmity.
○ Mental and/or nervous disorders or any like condition arising from or attributable to stress or stress-related
conditions.
○ Injury as a result of being under the influence of intoxicating liquor or drugs.
○ Payment up to the limit stated in the schedule for the death or disablement of any domestic worker, nanny , au pair or gardener as a result of bodily injury sustained in a motor accident or hijacking unless the vehicle is being operated in the course of their employment.
○ Your participation in any of the following:
– sport as a professional player/athlete
– defence force, police services or correctional services
– crewman on a ship or oil rig
– underground mining and tunnelling
– motorcycle riding, wrestling, boxing or martial arts, skydiving, paragliding, steeple-chase, hang-gliding, mountaineering, rugby, sports of any kind on ice or snow, wrestling or parachuting
– speed or endurance tests and racing (other than on foot)
– big-game hunting
– mountaineering where the use of ropes or a guide is necessary
– travelling by air other than as a passenger in a licensed passenger-carrying aircraft, piloted by a qualified person
– underground mining and tunnelling
– manufacture or use of explosives, ammunition and the refining of petroleum
– wilful misconduct
– riot or civil commotion.
○ Death, disability or medical expenses if the insured person is younger than six months of age or older than 80 years. In the event of the death of a minor child under the age of 14, the benefit payable will be subject to the current amount dictated by legislation at the time of death but will never exceed the limit stated in the schedule.
Hollard Prestige Portfolio – Version 1.4 – 2 Feb 2023 101