Section 4 – Personal Accident Clause Samples

Section 4 – Personal Accident. 4.4.1 We Will Cover (a) an examination by a medical referee appointed by Us for a non-fatal Injury. (b) a post-mortem examination in the event of death. 4.4.2 We will not cover (a) Death, injury, charges, costs, or expenses caused ▪ by suicide or attempted suicide, intentional self-injury, willful exposure to danger (other than in an attempt to save human life), or the committing of any criminal act; ▪ by pre-existing physical or mental defect, illness, or infirmity; ▪ by the effect or influence of alcohol or drugs, unless the drug is taken in accordance with an authorised medical prescription; ▪ directly or indirectly by Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivatives or variations however caused; ▪ by sexually transmitted disease, infertility treatment, pregnancy, miscarriage, childbirth or complications arising from any of them. (b) Death, injury, charges, costs, or expenses arising from ▪ air travel except as a passenger in a fully licensed, scheduled, passenger carrying aircraft; ▪ regular or temporary, military or police duties. (c) Death, injury, charges, costs, or expenses caused by Your Domestic Helper taking part in ▪ mountaineering or rock climbing using ropes or guides ▪ underwater activities necessitating the use of underwater breathing apparatus ▪ parachuting ▪ pot-holing ▪ racing (other than on foot or while swimming) ▪ bungee jumping ▪ professional sports ▪ winter sports ▪ motor cycling (d) Death or injury outside Hong Kong. (e) Death or injury arising out of and in the course of employment activities. (f) Local Helper.