Personal accident benefits. We will pay the following amounts if you, named driver or your husband, wife or civil partner is involved in an accident and within three months of that accident it is the only cause of death or injury. Death £7,000 Loss of any limb £5,000 Permanent loss of sight in one or both eyes £5,000 The most we will pay in any period of insurance is £7,000 To get a payment, the injury or death must: • Be directly connected with the accident involving your vehicle or • Have happened when you or your husband, wife, civil partner were travelling in, or getting into or out of, any other private motor vehicle We will make the payment to you or your legal personal representative. If you or your husband, wife or civil partner have any other insurance with us, we will only pay out under one contract. This personal accident benefit does not apply to: • Death or bodily injury caused by suicide or attempted suicide • Any incident unless the insurance is in an individual’s name You will not have to pay an excess for any claim under this section.
Personal accident benefits. Benefit 6 –
Personal accident benefits. If the driver of the insured vehicle is accidentally killed or injured while getting into, travelling in or getting out of the vehicle we will pay £10,000 for: • Death • Total and permanent loss of sight in one or both eyes • Loss of one or more limbs • We will only pay this amount if the cause of the death or injury is an accident involving the insured vehicle and the death or injury happens within 3 months of the accident. Payment will be made direct to the injured person or to their legal representative We will not pay • More than £10,000 in any period of insurance • For injury arising from suicide or attempted suicide • For death or injury to any person convicted of driving while under the influence of drink or drugs at the time of the accident or • For death of or injury to any person not wearing a seat belt when they have to by law We will pay up to £500 for personal belongings in or on your vehicle if they are lost or damaged because of an accident, fire, theft or attempted theft. This personal belongings cover does not apply to: • Money, stamps, tickets and documents • Goods or samples connected with the work of any driver or passenger • Property insured under any other contract • Wear and tear • Property that was not reasonably protected You will not have to pay an excess for any claim under this section.
Personal accident benefits. 8.1 Upon the happening of an Insured Event as specified in clause 6.1.37.2.1 of Part I, the Personal Accident Benefits payable in terms of this Dread Disease and Personal Accident Policy will be paid by the Insurer to the Policyholder in respect of the Permanent Disability of an Assured Life, where the Date of Permanent Disability occurs after the Inception Date.
8.2 The Personal Accident Benefits are calculated, as follows:
8.2.1 the aggregate of the Base Amount per Permanent Disability incurred in an Accident (as specified in Table A of Annexe E.4);
8.2.2 multiplied by the designated Percentage of Base Amount per Assured Life (as specified in Table B of Annexe E.4), subject at all times to the minimum Permanent Disability amount and the maximum Permanent Disability amount as specified in Table B of Annexe E.4, as may be amended from time to time.
8.3 The Insurer shall only pay 1 (one) Claim per Permanent Disability Category in respect of Permanent Disabilities incurred by an Assured Life pursuant to an Accident, regardless of the number of Claims made in respect of such Assured Life.
8.4 The Insurer may, in writing, notify the Policyholder that an examination is required by a Medical Practitioner selected by, and at the cost of the Insurer, to independently determine the cause and/or extent of the purported Permanent Disability.
8.5 Subject to the Forgiveness Rules set out in clause 9.3 of Part I and Xxxxxx E.5, Personal Accident Benefits in respect of an Assured Life will only be paid in the event of the Permanent Disability of an Assured Life if:
8.5.1 1 (one) Premium is recorded by the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) –
8.5.1.1 with a Date of Payment in the Month preceding the Month in which the Date of Permanent Disability occurred; or
8.5.1.2 with a Date of Payment in the Month in which the Date of Permanent Disability occurred but before the Date of Permanent Disability.
8.6 All Premiums recorded by the Insurer (or its duly appointed administrator, Kganya Insurance Administrators) shall be paid to the Insurer in accordance with the terms of the Premium Payment Agreement.
Personal accident benefits. The following Personal Accident Benefits are payable in terms of the Dread Disease and Personal Accident Policy in respect of the Assured Lives: Permanent and total quadriplegia R27 000 Permanent and total paraplegia or total loss of two or more limbs at or above the wrist or ankle R27 000 Permanent and total loss of speech R27 000 Permanent and total loss of hearing in both ears R27 000 Permanent and total loss of hearing in one ear R13 500 Partial loss of hearing in one ear (a loss of at least 50%) R6 750 Permanent and total loss of sight in both eyes R27 000 Permanent and total loss of sight in one eye R13 500 Partial loss of sight in one eye (a loss of at least 50%) R6 750 Loss or loss of use of limb at or above the wrist or ankle R27 000 Complete loss of four fingers on a hand (loss of at least two phalanges) R18 900 Complete loss of three fingers on a hand (loss of at least two phalanges) R10 800 Complete loss of two fingers on a hand (loss of at least two phalanges) R6 750 Complete loss of thumb (loss of both phalanges) or loss of use of thumb R8 100 Partial loss of thumb (at least one phalange) R4 050 Complete loss of four toes on foot (loss of two phalanges on each toe) R8 100 Complete loss of a toe on any foot (at least one phalynx) (for each toe) R1 350 Policyholder 100% R1 350 R27 000 Dependent Child: 14 years and older 100% R1 350 R27 000 Dependent Child: Between 6 and 13 years (inclusive) 48.15% R650 R13 000 Dependent Child: Between 1 and 5 years (inclusive) 35.19% R475 R9 500 Dependent Child: Between date of birth and less than 1 year (inclusive) 19.26% R260 R5 200
Personal accident benefits. DESCRIPTION OF BENEFITS
Personal accident benefits. All regular employees required to travel shall be insured for a total amount of one hundred thousand dollars ($100,000) at no cost to the employee. The Employer will make arrangements with the insurance company to provide a certificate of coverage for each employee covered by Personal Accident Benefits Insurance. All regular employees not covered under Item 12 and who as a condition of employment are required to travel will be provided the following: • three (3) loaner cell phones will be available at the PWU office. An employee who avails themselves of one (1) of the aforementioned phones should not provide their personal cell phone number for business purposes.
Personal accident benefits. 4.1.1 Accidental Death, Permanent Partial Disability, Permanent Total Disability
Personal accident benefits b) World Class Sports Events
c) Educational Leave d) Annual Training – Reserve Forces e) Job Sharing, Work Sharing, Self-funded Sabbaticals 98 CODE OF CONDUCT Where Kinectrics develops a Code of Conduct, it shall make reasonable efforts to apprise The Society and employees of the contents thereof prior to implementing the same.
Personal accident benefits. Benefit 6 – Accidental Death, Common Carrier & Permanent Total Disablement Under this section the company will also pay if the body of the insured person has not been found within one year after the date of disappearance and a death certificate is issued from the country of residence officials due to disappearance, sinking or wrecking of the aircraft or other common carrier in which the insured person was travelling at the time of accident and under such circumstances as would be otherwise covered hereunder, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance, sinking or wrecking. The Company shall pay the Insured or beneficiary upto the maximum amount as stated in the table of benefits of personal accident, in accordance with the percentage stated in the compensation table hereunder, if the insured person suffers an injury from an accident resulting in an event outlined in the compensation table hereunder, provided that such an Injury results in any event listed in the compensation table within one year from the date of the accident.
1. Accidental Death 100%
2. Permanent total disablement 100%
3. Permanent paralysis of all limbs 100%
4. Permanent total loss of both eyes 100% 5. Permanent total loss of two limbs 100%
