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Here is a brief summary of the cover provided by our
Personal policy. We will be pleased to discuss the details
of the cover that is best suited to your needs, and
will supply a specimen policy which sets out the full
terms and conditions in details which alone will govern
any contract of insurance.
The
Cover
The different sections of the policy provided you
with compensation for various forms of bodily injury
resulting from and accident and becoming apparent within
12 months of the accident. You can choose the section
or sections which best provide you with the protection
you need. However, to be covered under sections 4 or
5 you will also need to be covered under sections 1,2
or 3.
Section
1 Death
Section
2 Restricted Permanent Disablement
This
covers you for the following injuries: -
- Loss
of two or more limbs, or
- Loss
of both eyes, or
- Loss
of one limb and one eye, or
- Permanent
Total Disablement
Section
3 Full Permanent Disablement
This provides rather more extensive cover than section
2.
You receive
varying percentages of the compensation you have chosen
depending on the severity of your disability. The actual
amounts paid are calculated from the following table:
-
|
Percentage
of compensation selected |
| Permanent
Total Disablement |
100 |
| Loss
of both eyes |
100 |
| Loss
of two limbs |
100 |
| Loss
of one limb together with one eye |
100 |
| Complete
incurable insanity |
100 |
| Loss
of one limb |
50 |
| Compete
loss of hearing in both ears |
50 |
| Loss
of one eye |
40 |
| Complete
loss of speech |
40 |
| Loss
of thumb of right hand |
20 |
| Loss
of thumb of left hand |
15 |
| Loss
of index finger of right hand |
15 |
| Loss
of index finger or left hand |
10 |
| Complete
loss of hearing in one ear |
10 |
| Loss
of one big toe |
10 |
| Loss
of any finger or toe not otherwise specified |
3 |
Other
disabilities are also covered and payment will be made
depending on their degree of severity as compared with
the disabilities shown in the above table.
Although
you can receive payment in respect of more than one
disability, the maximum payment will be limited to 100%
of the compensation you have chosen.
Cover
for loss of a limit includes loss of use as well as
actual physical loss.
If
you are left handed, any reference above to right
shall be interpreted as left, and vice versa.
Section
4 Temporary Disablement
A
weekly income is provided if you are totally disabled
and unable to carry out your normally work. The money
is normally paid as a lump sum when you return to work
but we can pay every 4 weeks in arrears during your
disability, if you prefer.It
is payable for maximum of 104 weeks.
Section 5 Medical Expenses
This covers you for any medical expenses you may incur
as a result of the accident, upto the maximum compensation
you have chosen, provided that a claim is respect of
the same injuries is accepted under another section
of your policy.
Main
exceptions
The
main exceptions in your policy excludes accident, upto
the maximum compensation you have chosen, provided that
a claim of these risks at an extra charge:
Parachuting,
mountaineering, caving, winter sports, ice hockey, use
of underwater breathing apparatus, water skiing, speed-boating,
ocean sailing, deep-sea fishing, hunting, show jumping,
steeple chasing, polo, rugby football, motor cycling
as driver or passenger, racing or any practice for racing
(other than on foot), undertaking any other abnormally
hazardous pursuits, using power-driven woodworking machinery
(Other than portable hand-tools used for private purposes),
aviation (except as a passenger in a fully licensed
aircraft), insanity, intoxication, drugs, childbirth,
pregnancy, suicide intentional self-injury, pre-existing
mental or physical condition, war and similar perils,
nuclear radiation.
The Cost
For
an indication of the cost, simply: -
1)
Select from the list below the occupational class, which
applies to you.
2) Decide the benefits you need, and the amount under
each section
Then
calculate your premium from the table below.
Classification
of Occupations:
Class
1
Those engaged solely in professional, administrative
or clerical duties.
Class
2
Those engaged in industry who do not use machinery or
tools and do not engage in heavy manual work; shop-keepers
(other than butchers and fishmongers or those using
tools); commercial travellers.
Class
3
Those
engaged in an occupation not otherwise classified and
not being a hazardous occupation.
Hazardous
Those
engaged in a hazardous occupation or who use power-driven
woodworking or other dangerous machinery.
| Section |
Result
Of Bodily Injury |
Compensation
in Currency Units |
Annual
Premiums |
| Class
1 |
Class
2 |
Class
3 |
Hazardous |
| 1 |
Death |
Per
1000 |
0.90 |
1.20 |
1.60 |
Will
be considered on application |
| 2 |
Restricted
Permanent Disablement |
Per
1000 |
0.15 |
0.25 |
0.45 |
| 3 |
Full
Permanent Disablement |
Per
1000 |
0.85 |
1.20 |
1.70 |
| 4 |
Temporary
Total Disablement |
Per
10 per week |
2.15 |
3.20 |
4.30 |
| 5 |
Medical
Expenses |
Per
100 per accident |
2.15 |
2.70 |
3.75 |
i. Whilst in some circumstances adjustments may be necessary,
the rates shown will normally apply if you are aged between
16 and 65 years.
ii.Remember
that you can only be covered under sections 4 and / or
5 provided you are covered under at least one of sections
1,2 or 3.
iii.If you do not need the income under section 4 to be
paid as soon as you stop work, we will reduce the premium
for this section depending on the period excluded.
| Period
Excluded |
Discount |
| 2
weeks |
20% |
| 4
weeks |
35% |
| 8
weeks |
45% |
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