Common use of Accidental Death and Permanent Disablement Clause in Contracts

Accidental Death and Permanent Disablement. (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D – Urban Traveler’s Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E – Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included GENERAL DEFINITIONS Certain words have been defined below. These have the same meaning wherever they are used in the Policy. They are bold and begin with a capital letter (e.g. Insured Person, You, Your).

Accidental Death and Permanent Disablement. (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D – Urban Traveler’s Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E – Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included GENERAL DEFINITIONS Certain words have been defined below. These have the same meaning wherever they are used in the PolicyMaster Certificate. They are bold and begin with a capital letter (e.g. Insured PersonPerson Covered, You, Your).

Accidental Death and Permanent Disablement. (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D – Urban Traveler’s Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E – Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included GENERAL DEFINITIONS Certain words have been defined below. These have the same meaning wherever they are used in the PolicyCertificate. They are bold and begin with a capital letter (e.g. Insured PersonPerson Covered, You, Your).

Accidental Death and Permanent Disablement. (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D – Urban Traveler’s Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E – Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included GENERAL DEFINITIONS Certain words have been defined below. These have the same meaning wherever they are used in the Master Policy. They are bold and begin with a capital letter (e.g. Insured Person, You, Your).

Accidental Death and Permanent Disablement. (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 20 Personal Liability 1,000,000 1,000,000 1,000,000 Section D – Urban Traveler’s 's Covers 21 Home Care Benefits 2,000 3,000 5,000 22 Pet Care Benefits 1,000 1,000 1,000 23 Rental Car Excess 23A Car Excess 2,000 3,000 5,000 23B Car Return Included in 23A Included in 23A Included in 23A 24 Emergency Telephone and Internet Usage 100 200 500 25 Special Coverage (i) 30 days to 17 years old 75,000 75,000 125,000 (ii) 18 years old to 85 years old 300,000 300,000 500,000 Section E – Additional Benefits 26 Badal Haji (only applicable to Muslim) 3,000 3,000 3,000 27 Wakaf (only applicable to Muslim) 1,000 1,000 1,000 28 Qurban (only applicable to Muslim) 1,000 1,000 1,000 29 Emergency Cash (only applicable to non-Muslim) 5,000 5,000 5,000 Section F - Travel Assistance Benefits 30 Travel Assist Included Included Included GENERAL DEFINITIONS Certain words have been defined below. These have the same meaning wherever they are used in the PolicyCertificate. They are bold and begin with a capital letter (e.g. Insured PersonPerson Covered, You, Your).