Hollard - Easy Personal Accident

| Personal accident

easy

Helpline number: 0860 123 EASY (0860 123 3279)

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Cover section: Personal accident

Hollard – Easy – Personal accident cover section – 20170908

Index

1. DefinitionsthatapplytoyourPersonalaccidentsection 2

2. Whatwecover 3

3. Conditionsforcover 3

4. Mainbenefits 4

5. Additionalbenefits 5

6. Specificexclusions–whatwedonotcover 7

7. Claimingforthepersonalaccidentbenefits 8

8. Whencoverforaninsuredends 9

9. Servicebenefits 10

10. Optionalbenefits 11

Helpline number: 0860 123 EASY (0860 123 3279) Helpline number: 0860 123 EASY (0860 123 3279)

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YourPersonal accident section explains the types of benefits that are available to you. Youmust read this sectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

ThiscoversectionincludesGeneral personal accident andEn route personal accidentbenefits.Pleasereadyourpolicyscheduletoseewhichbenefitsapplytoyou.

1. Definitions that apply to your Personal accident section

ThefollowingdefinitionsareusedinthePersonal accident sectionofthispolicy.

Insureds IfyouchoseGeneral personal accident, Insuredswillmean:

− You,yourpartnerandyourchildrenassetoutinthepolicyschedule.

IfyouchoseEn route personal accident, Insuredswillmean:

− Thedriverofthecarandthepassengers.Wewillonlycoverthenumberofoccupantsthatthecarislicensedtocarry,uptoamaximumoftenoccupants,includingthedriver.

− Theriderofamotorbikeandonepassenger.

Ifyouchosebothbenefits,Insuredswillmeanalloftheabove.

Partner Apersonwhoisthepermanentlifepartner(whetherinaheterosexualorhomosexualpartnership)orspouseorcivilunionpartnerofapolicyholder inaccordancewith:

− theMarriageAct,68of1961;

− theRecognitionofCustomaryMarriagesAct,68of1997;

− theCivilUnionAct,17of2006;or

− thetenetsofanyAsiaticreligion.

Apermanentlifepartnerisapartnerwhoyoulivewithforlongerthan12months.

AmaximumofonepartnerwillbecoveredforbenefitsundertheGeneral personal accidentsectionofthispolicyatanyonetime.

Child Willmeananunmarried,financiallydependentchildofthepolicyholderwhohasnotyetattainedtheageof18,andwillinclude:

− abiologicalchild,aposthumouschild,astepchild,agrandchild;and

− alegallyfosteredchildandanadoptedchild.

While thepolicyholder is eligible for coverunder this policy, the agemay (at ourdiscretion),beextendedtoachildwhohasreachedage24,inrespectof:

− an unmarried child who is a full time student at a registered educationalinstitution.Beingafulltimestudentmeansthechildmustattendlecturesandthecoursemustbeatleast12monthsinduration.Afulltimestudentdoesnotincludestudiesviacorrespondence;and

− anunmarried,financiallydependentchildofthepolicyholderwhoismentallydisabledorpermanently,totallyphysicallydisabled,whilethepolicyholder iseligibleforcoverunderthispolicy.

Amaximum of six children will be covered under theGeneral personal accident sectionofthispolicyduringtheentireperiodofthepolicyholder’scoverunderthispolicy.


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Accident An incident the insured could not foresee, that happens unexpectedly andunintentionallyatanidentifiabletimeandplace,andresultsindeathorbodily injury.

Bodily injury Physicalinjurytoaperson’sbodycausedbyviolent,accidental,externalandvisiblemeans.Thisincludesstarvation,thirst,exposuretotheelementsandhijacking.

2. What we cover

YoucouldchooseGeneral personal accidentorEn route personal accidentbenefits,orboth.Dependingonyourchoice,certainbenefitsorservicessetoutinthePersonal accidentsectionofthispolicywillnotapplytoyou.

2.1 If you chose the General personal accident benefit

a. Main benefits. Wewillcovertheinsuredsforallthemainbenefits.

b. Additional benefits. Wewillcovertheinsuredsforalltheadditionalbenefits.

c. Service benefits.YouhaveaccesstotheTrauma and HIV assistance helpline.

d. Optional benefit. Youmaychoosetobecoveredfortheoptionalbenefit.

2.2 If you chose the En route personal accident benefit

a. Main benefits. Wewillcovertheinsuredsforallthemainbenefits.

b. Additional benefits. Wewillcovertheinsuredsforonlythefollowingadditionalbenefits:

− Medicalexpenses

− Traumacounselling

c. Service benefits. Noservicebenefitsareavailable.

d. Optional benefit.Nooptionalbenefitisavailable.

2.3 If you chose both benefits

Ifyouchosebothbenefits,theinsuredswillbecoveredunderbothbenefits,unlesswesaydifferently.

Forexample:Ifaninsureddies,wewillpaythedeathbenefitamountundertheGeneral personal accident section,plusthedeathbenefitamountundertheEn route personal accident section.

3. Conditions for cover

a. ConditionsspecifictoGeneral personal accidentbenefits:

− Wecovertheinsuredsanywhereintheworld,butyourpermanenthomemustbewithinthebordersofSouthAfrica.

− Anaccidentreferstoanykindofaccidentincludingacarormotorbike accident.

b. ConditionsspecifictoEn route personal accident benefits:

− Yourcaroryourmotorbikemustbeinsuredwithusunderthispolicy.

− Wecovertheinsuredsforaccidentsthatinvolvesyourcaroryourmotorbike,withinthecountriessetoutinthecarormotorbikesectionofthispolicy.

− Anaccident refersonly toanaccidentwithacarormotorbike that is insuredwithusunder thispolicy.

c. Aninsuredmustbe6monthsorolder,butnotolderthan80yearsatthedateofanaccident.

d. Anaccidentmusthappenduringtheperiod of insurance.

e. Death,totalandpermanentdisabilityorpartialdisabilitymusthappenwithin12monthsofthedateoftheaccident.

f. Intheeventofaclaimaninsuredmustundergoamedicalexaminationifweaskhimto.Wewillpaythecostoftheexamination.

g. Youmust tell usof anyphysical illnessordisability that youknowof at anytimeduring theperiod of insurance.


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4. Main benefits

Wecovertheinsuredsfordeathorpermanentdisabilitythatarecauseddirectlybyanaccident.

4.1 Death benefit

Ifan insureddiesbecauseofanaccidentduring theperiod of insurance,wewillpay100%of thesum insured.

4.2 Permanent disability benefit

Ifaninsuredsuffersapermanentdisability,wewillpayapercentageofthesum insuredassetoutbelow.

− Ifaninsuredsuffersmorethanonekindofdisability,thetotalbenefitpayablewillnotexceed100%ofthesum insuredperincident.

− Wewillonlypayonebenefitperlimb.Forexample,ifwepayabenefitforlosinganarm,wewillnotpaythebenefitforlossofthehandandfingersaswell.

Disability Percentageof sum insured

Totalandpermanentlossoffunction,orthephysicalseparationofbotharmsorbothlegs

100%

Totalandpermanentlossoffunction,orthephysicalseparationofonearmand oneleg

100%

Totalandpermanentlossoffunction,orthephysicalseparationofonearmor oneleg

50%

Totalandpermanent lossof function,orthephysicalseparationofonehandandonefoot

100%

Totalandpermanentlossoffunction,orthephysicalseparationofonehand 75%

Totalandpermanentlossoffunction,orthephysicalseparationofonefoot 50%

Lossoffingers:

− fourfingersononehand 70%

− thumb 30%

− anyfingerotherthanthumb 5%

Lossoftoes:

− alltoesononefoot 30%

− greattoe 10%

− anyothertoe 2%

Completeandirreversiblelossofhearing:

− inbothears 100%

− inoneear 25%

Completeandirreversiblelossofsight:

− inbotheyes 100%

− inoneeye 50%

Lossofspeech 100%

Totalandincurableparalysisorbeingpermanentlybedridden 100%

Totalandpermanentlossofintellectualcapacity. 100%


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4.3 Disappearance

Ifaninsureddisappearsduringtheperiod of insurance,wewillassumetheinsured’sdeathandwillpaythedeathbenefitassetoutabove.Thefollowingconditionsapplytothisbenefit:

− Theinsured’sdisappearancemustbebecauseofanaccidentwhichcausedbodily injurythatcouldhaveresultedindeath.

− Wewillassumetheinsured’sdeath,ifinouropinionareasonableamountoftimehaspassed. − Wewillnotconsideraclaimforthedisappearancebenefitbefore12monthsafterthedateofthe

disappearance. − Ifwehavepaidthedisappearancebenefitandtheinsuredislaterfoundtobealive,youmustpay

backthedeathbenefitamountthatwehavepaid.

4.4 Terrorism

Wewillalsocoverthedeathordisabilityofaninsuredbecauseofactsofterrorism.Wewillpaythedeathordisabilitybenefitsassetoutabove.

Actsofterrorismmeans:

− Theuseofthreat,violenceorforceforpolitical,religious,personalorideologicalreasons. − Thismayormaynotincludeanactthatisharmfultohumanlife. − Itcouldbecommittedbyanypersonorgroupofpersons,actingalone,onbehalfoforwithany

organisationorgovernment. − Itincludesanyactcommittedwiththeintentiontoinfluenceanygovernmentorinspirefearinthe

public.

4.5 Limitation of benefits

Wemayincreasethemaximumamountsfromtimetotime,orwhenlegislationchanges.Ifwelimittheclaimamounttothemaximumsbelow,wewillrefundthepremiumswereceivedforanycoverwedidnotprovide.

− Ifaninsuredbecomesdisabledandthendiesbecauseofthesameaccident,wewillpaythehigherofthedeathordisabilitysum insured.

− Ifaninsurediscoveredundermorethanonepersonalaccidentpolicyissuedbyus,weonlypayabenefitunder thepolicywith thehighestbenefitamount.Wewill refundthepremiums thatwereceivedundertheotherpolicyfortheclaimthatwedonotpay.

− Benefitsforchildrenaresubjecttoamaximumamountasallowedbylaw.Thetotalamountthatwewillpayonallpoliciesissuedbyusissubjectto:

• R10000(tenthousandRand)ifthechildisyoungerthan6years;and• R30000(thirtythousandRand)ifthechildis6yearsorolder,butyoungerthan14years.

5. Additional benefits

Wewillautomaticallycoveraninsuredforthefollowingadditionalbenefitsuptothelimitssetoutinthepolicyschedule.

5.1 Medical expenses

Ifaninsuredsustainsbodily injurybecauseofanaccident,which(directlyorindirectly,andindependentlyofanyothercause)requiresmedicalorsurgicaltreatment,wewillpayforthemedicalexpenses.

Medicalexpensesarethenecessarycostsandexpensesformedicaltreatmentincluding:

− surgical,dental,hospital,nursingandprescribedremedialexpenses; − artificialaidsandprostheses;or − doctors’fees.

Wewillnotpaymedicalexpensestoaserviceproviderunderanycircumstances.

IfyouarecoveredforboththeGeneral personal accident andEn route personal accident benefits,wewillonlypayforthemedicalexpensesonce.


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5.2 Trauma counselling

Wewillpaythecostofprofessionalcounsellingtohelptheinsuredcopewithtraumaifheisthevictimofanactofviolenceoratraumaticaccident.

− Anactofviolenceincludesanassault,robbery,rapeorarmedcarhijack.

− Youmustreporttheactofviolencetothepoliceandgiveusthecasenumber.

− Thisbenefitincludescounsellingfortheinsured’s immediate familymemberswhowereexposedtothesameactofviolenceortraumaticaccident.

− Wewillnotpayifyouarecoveredunderanotherpolicyforasimilarbenefit.

− IfyouarecoveredforboththeGeneral personal accidentandEn route personal accident benefits,wewillonlypayforthetraumacounsellingcostsonce.

5.3 Life support machinery

Ifaninsuredsustainsbodily injurybecauseofanaccident,wewillpaythecostoflifesupportmachineryorequipmentneeded.

5.4 Mobility cover

Wewillpaythecostofaprosthesis,oramanualorelectricwheelchairifaninsuredis:

− permanentlyandphysicallydisabled;

− becauseofabodily injurycausedbyanaccident;

− whichresultsintheneedforawheelchairoranyotherapplianceforfreedomofmovement.

Wewillnotpayifyouarecoveredunderanotherpolicyforasimilarbenefit.Wemustadmitadisabilityclaimunderthispolicy.

5.5 Rehabilitation costs

Wewillpaythecostsofarehabilitationprogramme,exceptforthecostscoveredbytheinsured’smedicalaid.Thebenefitappliesif:

− weadmitavaliddisabilityclaimunderthiscoversection;and

− inouropinionthe insured’sdisabilitypreventshimfromperformingthematerialandsubstantialdutiesofhisoccupationatthetimeoftheaccident.

Rehabilitation programmes are re-skilling, re-training or medical treatment programmes to help theinsuredbecomeabletoperformthedutiesof:

− hisownoccupation;or

− any occupation forwhich the insured has, or can reasonably be trained to have, the necessaryknowledge,skillsorabilitytoreturntowork.

5.6 Search and rescue

Ifaninsuredsustainsbodily injurybecauseofanaccident, wewillpaythereasonablesearchandrescuecosts.

− Thisbenefitincludesfreeingandbringingtheinsuredtoaplaceofsafety,ortopreventbodily injury.

− Iftheinsuredisfoundincircumstanceswhichareunlikelytohaveresultedinbodily injury,wemayaskyoutopaybackanybenefitpaidbyus.

5.7 Emergency transportation costs

Ifaninsuredsustainsbodily injurybecauseofanaccident,wewillpaythecostsandexpensesnecessaryforemergencytransportationofaninjuredinsuredtotheclosestmedicalfacility.

Iftheclosestmedicalfacilitycannotprovidethetreatmentrequired,wewillpaythecosttotransporttheinsuredtoadifferentmedicalfacility.


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Aqualifiedmedicaldoctor,orifnotavailable,thehighestqualifiedmedicalpractitionermustconfirmthatemergencytransportationtoadifferentmedicalfacilityisnecessarybecause:

− thelocalmedicalfacilitiesareinadequateforthetreatmentoftheinsured’sinjury;and − transportingtheinsuredtoadifferentmedicalfacilitywillhelptheinsuredtorecoverfaster.

5.8 Return of an injured person

Ifaninsuredsustainsbodily injurybecauseofanaccident,wewillpaythereasonableandnecessarycoststo return an insured from thehospital tohis normal placeof residence in SouthAfrica. The followingconditionsapplytothisbenefit:

− Youmustaskusforourpermissionbeforeyouarrangeforthereturnofaninsured. − The insured’s injury must be of such a serious nature that it prevents him to return home

unaccompanied. − Wewillnotpayanybenefitifthedistancefromthehospitaltothenormalplaceofresidenceisless

than100km.

5.9 Return of a body

Ifweadmitavaliddeathclaimunderthiscoversection,wewillpaythereasonableandnecessarycoststoreturnthebodyofadeceasedinsuredfromtheplaceofdeathtotheplaceofburialinSouthAfrica.Wewillnotpayanybenefitifthedistancefromtheplaceofdeathtotheplaceofburialislessthan100km.

6. Specific exclusions – what we do not cover

TheexclusionssetoutintheGeneral exclusions sectiondonotapplytothebenefitspayableunderyour Personal accident section.Wewillnotpayaclaimforanyofthefollowing:

6.1 Trade and economic sanctions

Wecannotprovideanycoverifthatmeanswewouldnotcomplywithtradeoreconomicsanctions.Ifwefindoutthataninsuredissubjecttosuchsanctions,wewillcancelyourpolicyfromthepolicy start date orthedatethattheinsuredbecomessubjecttosanctions.Wewillrefundanypremiumspaidbyyouandwillnotpayanyclaims.

6.2 Not because of an accident

Wewillnotpayaclaimfordeathordisabilitythatisdirectlyorindirectlyrelatedtophysicaldisabilityorillness.

6.3 Pre-existing conditions

Wewillnotpayaclaimfordeathordisabilitythatwascausedbyanillness,medicalcondition,disabilityorinjurythatexistedatanytimebeforethecover start date.

6.4 Mental conditions

Wewillnotpayaclaimfordeathordisabilitythatwascausedbyinsanity,neurosisordiagnosedmentalornervousdisorders.

6.5 Insured’s actions cause death or disability

Wewillnotpayaclaim if the insured’sdeathordisability isdirectlyor indirectlycausedbyanyof thefollowing:

a. Criminal activities

Criminalactivitymeanstheinsuredis:

− underinvestigationforcommittingacrime; − beingprosecutedforcommittingacrime;or − convictedbyaCourtofLawforhavingcommittedacrime. − Wewilldelayourclaimsdecisionuntilthefinalisationoftheinvestigation,orthecriminal

trial.Youmustgiveusproofoftheoutcomeoftheinvestigationorthecriminaltrial.


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b. Military or police activities

Theinsuredisinactiveservicewiththedefenceforce,policeservicesorcorrectionalservices.

c. Warlike activities

Nuclear,biologicalandchemicalwarfareorsabotage.

Theinsuredactivelytakingpartin:

− anywar,invasion,rebellion,revolution,uprising,riot,civilcommotion,strike,ortheseizingofpower;or

− labourdisturbance,includingariot,commotionorotherformofpublicdisorderintheworkplace.

d. Irresponsible actions

Theinsured:

− deliberately or negligently exposes himself to the risks and events that led to the claim,exceptwheretheinsuredattemptstosaveahumanlife;

− attemptsorcommitssuicideordeliberatelyinflictsinjuryonhimself;

− refusestoseekandfollowreasonablemedicaladviceortreatment;

− driveswhenoverthelegalalcohollimit;

− takesillegaldrugsorpoison;or

− isunderthe influenceofmedication,unlessthemedicationwasprescribedbyaqualifiedmedicalpractitionerandtakeninthecorrectdosage.

e. Dangerous activities

Theinsured:

− participatesinsportcompetitivelyorasaprofessionalorforfinancialreward;or

− participatesinanykindofracing,speedtestsordurationtests;or

− isinvolvedinaviation,gliding,micro-lighting,parachutingortravellingbyairexceptasafee-payingpassengerinafullylicencedaircraft.

7. Claiming for the personal accident benefits

TheconditionssetoutinthesectionClaiming under this policy donotapplytothebenefitspayableunderyour Personal accident section.

7.1 How to claim

Ifthereisaclaimforabenefitpayableunderthiscoversection,thepersonclaimingthebenefitfortheinsuredmust:

a. Tell us of the death, disability or bodily injury in writing within six monthsfromthedateoftheaccident.Wewilltellhimwhatevidenceandotherdocumentsweneedtoprocesstheclaim.

b. Send us the evidence and other documents we ask for within 30 daysfromthedatethatweaskforit.Wetypicallyneedthefollowing,butwemayaskformoredependingonthedetailsofyourclaim:

− anoriginalsignedclaimform

− anoriginalcertifiedcopyoftheinsured’sdeathcertificate

− anoriginalcertifiedcopyoftheinsured’sidentitydocument

− proofofbankingdetails

− ifapplicable,acopyoftherelevantPolicereport

− medicalreportsandclinicalevidence

− proofofmedicalexpenses(invoicesandproofofpayment)


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c. Ifthestepsabovearenotfollowed,orthepersondoesnotsendustheinformationweaskforwithinthetimegivenabove,hewilllosetherighttoclaim.

7.2 Undergo medical examinations or treatment

Foradisabilitybenefitclaim,theinsuredmustundergomedicalexaminationsortreatmentwhenweaskhimto,asoftenasrequired.Wewillpaythecostofthemedicalexaminationsortreatment.

7.3 If your claim is valid

Ifweassessyourclaimasvalid,wewillpaythebenefitsassetoutbelow:

− Wewillpaythepermanentdisabilitybenefittotheinsured.

− Wewillpaythedeathbenefittotheinsured’sestate.

− Iftheinsuredisyourchild,wewillpaythedeathandpermanentdisabilitybenefittoyou.

− Wewillpaythemedicalexpensesandthecostoftraumacounsellingtotheinsured.Wewillnotpayanycostsdirectlytoaserviceprovider.

7.4 Our responsibility ends after we have paid a claim

Oncewehavepaidaclaim,wehavemetourresponsibilitiestoyouintermsofthispolicy.Wewillnotberesponsibleforanyothercostsrelatingtothatclaim.

7.5 We will not pay any interest

Anyamountduebyuswillnotattractanyinterest.

7.6 If you do not agree with our claims decision

a. Complain to Hollard

Ifwedonotacceptaclaimorifyoudon’tagreewiththeamountoftheclaim,youmayaskustoreviewourdecisionwithin90daysofthedatethatyoureceivedournotice.

b. Complain to the Ombudsman

YoumayalsosendyourcomplainttotheOmbudsmanforShort-termInsuranceatanytime.PleasecontacttheOmbudsmanonthecontactdetailssetoutintheQuick reference guide.

c. Take legal action

Youmaytakelegalactionagainstuswithin270daysofthedatethatyoureceivedournotice.Totakelegalaction,summonsmustbeservedonus.Ifthisisnotdoneintime,youwillloseyourrighttoclaimandwewillnolongerberesponsibleforthatclaim.

YoumayalsochoosetotakelegalactionagainstuswithoutfirstaskingustoreviewourclaimdecisionorcontactingtheOmbudsmanforShort-termInsurance.IfyoutakelegalactionagainstusbeforecontactingtheOmbudsman,youcanonlyapproachtheOmbudsmanforassistanceafteryouhavewithdrawnthesummonsagainstus.

8. When cover for an insured ends

Coverforaninsuredendswhenanyofthefollowinghappens:

a. premiumsforthepersonalaccidentbenefitsarenotpaid;

b. theinsuredreachestheageof80yearsold;

c. wepayaclaimfor100%ofthedisabilitybenefit;or

d. theinsureddies.


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9. Service benefits

9.1 Trauma and HIV assistance helpline

This servicegivesyouaccess toa24houremergencyassistancehelpline tohelpyouwithany traumasituation.YouhavetocallourHelplinenumbersetoutintheQuick reference guide.

− Professionalnursesprovidethisemergencyassistanceservice.

− Thisserviceisavailable24hoursadayfor365daysayear.

− WewillonlyprovidetheseserviceswithinthebordersofSouthAfrica.

− Aninsuredcancallthehelplineintheeventofthefollowingtraumaticevents:

• Traumaticaccident

• Actofviolence,includinganassault,robbery,rapeorarmedcarhijack.

a. Trauma assistance helpline

− Wewillarrangeforemergencymedicalassistanceiftheinsuredsustainsbodily injury.

− Wewillarrangeforpsychologicalcounsellingatapublicorprivatetraumacounsellingcentreiftheinsuredisthevictimoftraumaorassault.

− We will also arrange for emergency medical transport to the closest, most appropriatemedicalfacility.Wewillnotarrangeforanyinter-hospitaltransfers.

− Wewillrefertheinsuredtopsychiatristsforpsychiatricconsultationsifneeded.

− Wewill pay back the costs you have to pay up to the limits that apply to the followingAdditional benefitssetoutabove:Medical expenses, Trauma counsellingandEmergency transportation costs.

b. HIV assistance helpline

− TheHIV-protectionservicegivestheinsuredaccesstodiagnosis,hospitalcare,treatmentandcounsellingintheeventofsuspectedHIVinfection.

− HIVinfectioncanbesuspectedbecauseofrapeoraccidentalexposure,forexampleneedleprickwithacontaminatedneedle.

− Theserviceincludes24-hours-a-day,365-days-a-yeartelephonicaccesstoanHIVcounsellingcentreforinformation,adviceandsupport,aswellascounsellingforpost-traumaticstressdisorder.

Wewillpayforbloodtests

− WewillpayforthreeHIVbloodtestsperincident.Thefirstbloodtestwillbedoneimmediatelyaftertheincident.

− IftheinsuredtestsHIVpositivenofurthertestsarecovered.

− IftheinsuredtestsHIVnegative,thesecondtestwillbesixweeksaftertheincidentandthethirdtestwillbethreemonthsaftertheincident.

IftheinsuredtestsHIVnegative

IftheinsuredtestsHIVnegativeimmediatelyaftertheincident,andthetreatingdoctorprescribesandadvisesit,wewillpayforthefollowingcosts:

− A30-daystarterpackofantiretroviralmedication.Wecannotpayforthismedicationiftheinsuredcallslaterthan72hoursafteraccidentalHIVexposure.Thisisbecauseantiretroviralmedicationisonlyeffectivewithin72hoursofaccidentalHIVexposure.TheinsuredmustcallourHelpline assoonaspossibleafterexposure.

− Aseven-daycourseofSTI(SexuallyTransmittedInfections)medication.

− A‘morning-afterpill’topreventpregnancyinthecaseofrape.

− RegistrationforanHIV-managementprogramme.


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IftheinsuredtestsHIVpositive

IftheinsuredtestsHIVpositiveimmediatelyaftertheincident,theinsuredwillhaveaccesstothefollowing:

− Aseven-daycourseofSTI(SexuallyTransmittedInfections)medication.

− A‘morning-afterpill’topreventpregnancyinthecaseofrape.

− Threeconsultationsperincidentwithageneralpractitioner,trauma-trainednurseortraumacounsellor.

c. How to call for assistance

AninsuredmustcallourHelpline andgivedetailsofthecircumstances,immediatedangersandhiscondition.Thenurseswillarrangeforthenecessaryassistance,beitthepoliceorthenearestlocalemergencyassistanceservices.Thenurseswillmonitorthemedicalconditionofthe insured,andshouldthesituationdevelopintoamedicalemergency,thenurseswill:

− Arrangeforemergencymedicalevacuation,eitherbyroadorairambulance.

− Arrangefortheinsuredtobetransportedtoahospitalwithemergencyfacilitiesclosesttothesceneoftheincident.

− Monitortheinsured’stransportationandcondition.

10. Optional benefit

Thisisnotanautomaticbenefit.Youmustchoosetobecoveredforthisbenefitandpaytheextrapremium.

10.1 Rental car excess cover

Wewillpayyoubacktheinsuranceexcessyouhavetopaytoacarrentalcompanyifyouhaveanaccident witharentalcar.

− Youmustgiveusproofoftheamountyoupaid.

− Wewillonlypayuptoamaximumofthelimitsetoutinthepolicyschedule.

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