Page 109 - Policy Wording - Hollard Business Binder (2020-08-26)

2.1 2.2
2.3 2.4 2.5 2.6
The most important issue is to determine occupation and sporting activities.
It is important to emphasize that benefits will only become payable if the injury or death is as a result of an external accident, natural causes will not be covered.
Is cover required on a 24-hour basis? Determine the actual need of the Insured.
Obtain details of any hazardous hobbies or pastimes pursued or undertaken by insured persons. Obtain detailed 3 year loss history.
Benefits:
Stated Benefits/Group Personal Accident
2.
1.5.3 the policy is a contract between Hollard and the Insured not the insured person (employee). The insured person has no rights of action against Hollard regarding the benefits. In the event of a claim the Insured (policyholder) is paid and the payment is regarded as income. This may be dealt with in terms of the contract of employment but payment in the event of a claim will be in the name of the Insured/policyholder not the insured person.
UNDERSTAND THE RISK
2.6.1
2.6.2
2.6.3
2.6.4
2.6.5
2.6.6
2.6.7
2.6.8
2.6.9
2.6.10
2.6.11
2.6.12
2.6.13
2.6.14
2.6.15
2.6.16
2.6.17
2.6.18
2.6.19
2.6.20
2.6.21
2.6.22
2.6.23
2.6.24
2.6.25
2.6.26
2.6.27
Death
Permanent disability
Total temporary disablement
Medical expenses Additional death benefit
Body transportation cost Relocation cost
Emergency transport Rehabilitation cost
Mobility cost
Hijacking, abduction, kidnapping Trauma counselling
Childcare
Crime benefit
Detention
Disappearance
Disfigurement
Disfigurement – corrective medical procedure
Family/servants medical Life support
Life support equipment Paraplegia Quadraplegia
Search and rescue Seat belt benefit Temporary drivers VAT
Unnatural causes, medical conditions excluded Pays for permanent disability
Disabled temporarily, not attending work but never exceeding 104 weeks
Over and above medical aid contributions but never exceeding R100 000
Payable over and above the basic death benefit. Replaces funeral expenses
Cost to repatriate the body after death
Assistance with the cost associated if the replacement for the deceased has to be relocated
Accidents at the workplace, quick transport to medical facilities
Cost towards training centers to assist injured with improving working abilities
Assistance with wheelchair ramps, house and vehicle modification, etc. Extends cover from date of the event
Following any traumatic event
Makes provision for childcare if parent is unable to take care of child Pays an additional amount if accident is caused directly by crime Extends cover from date of the event
The Policy will respond after an agreed period if the Insured Person disappears. If the person is found to be alive after the claim is settled, the payment must be returned to insurers
As a result of an accident
Corrective medical procedure excluding cosmetic procedures
If people travelling in a car require medical attention
If death is delayed by using life support, the benefit will be paid Cost of hiring such equipment
An additional benefit is paid
An additional benefit is paid
Cost in searching/rescuing of bodies
Additional benefit payable if belt was worn at the time of accident Pays for temporary drivers during period of recovery
Pays VAT on all claims if the Insured incurs additional VAT liability
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Commercial Underwriting Mandates and Guidelines – Binder – Version 2 2020