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AD&D Benefit Provisions
DESCRIPTION OF BENEFITS
We will pay the benefits listed below and as shown in the Schedule of Benefits subject to the terms and limits of this certificate. If as a result of the same Accident You suffer a covered loss, the total amount payable shall not exceed the largest single benefit for which You are eligible.
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ACCIDENTAL DEATH COVERAGE
We will pay to Your designated beneficiary the Principal Sum benefit shown in the Schedule of Benefits in the event of Your Accidental Death. The loss must occur while this certificate is in force and within 365 days of the Accident.
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Exposure and Disappearance:
We will pay benefits if the loss was caused by exposure to the weather as a result of an Accident. If You are riding in a conveyance which is involved in an accident which results in the disappearance or sinking of the conveyance and Your body is not found within 365 days of the accident then We will pay benefits as if the loss occurred within 365 days after the date of the accident.
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ACCIDENTAL DISMEMBERMENT COVERAGE
Loss of Member or Sight or Speech or Hearing Benefit:
We will pay You the Principal Sum shown in the Schedule of Benefits based on the schedule of losses below if You suffer a loss resulting from an Injury. The loss must occur while this certificate is in force and within 365 days of the Accident. We will pay only one sum for any one Accident. The total amount payable to You is limited ot the largest Principal Sum amount for which You are eligible.
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SCHEDULE OF LOSSES
| Loss of or loss of use of two or more members |
The Principal Sum |
| Loss of sight of both eyes |
The Principal Sum |
| Loss of or loss of use of one member |
One Half of The Principal Sum |
| Loss of sight of one eye |
One Half of The Principal Sum |
| Loss of speech |
One Half of The Principal Sum |
| Loss of hearing of both ears |
One Half of The Principal Sum |
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Definitions:
Member
Loss of hand means:
a) the severance at or above the wrist; or
b) the total and irrecoverable loss of the use of the hand or arm.
Loss of foot means:
a) the severance at or above the ankle; or
b) the total and irrecoverable loss of the use of the foot or leg.
Loss of sight, hearing or speech must be total and irrecoverable.
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Last updated on: 11/14/2008
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