Significant features and benefits
Underwriters may pay the insured a benefit in accordance with the policy schedule in the event of the Insured having his/her licence(s) permanently revoked by the licence Issuing authority during the policy period as a result of accident and/or illness as defined in the policy wording.

Temporary total disablement
This benefit pays to the insured monthly benefits of 2% of the total sum insured each month after expiry of the waiting period for a maximum period of 12 months in the event that the Insured is temporarily entirely prevented from acting in the capacity for which he/she holds a licence(s) as a result of accident and/or illness.

Waiting Period
No benefit shall be payable until after a waiting period of 90 days from the date of loss

Significant or unusual exclusions/limitations

Exclusions:
We do not cover any claim caused by or resulting from:

• the death of the Insured
• intentional self injury, attempted suicide or assault provoked by the insured
• venereal or other sexually transmittable diseases
• any criminal or felonious acts of the Insured Person
• undertaking active duty with the armed forces
• Acquired Immune Deficiency Syndrome (AIDS)
• an act of war or terrorism
• any previous disability or medical condition
• changes in the medical standards imposed by the Licensing Authority
  

Underwriters may pay 25% of the benefit to the Insured in respect of Psychological Illness
A Psychological Illness is when the insured is suffering from stress, anxiety, depression, mental anguish, neurosis or the like and which is diagnosed by a medical practitioner - see policy doc for full definition.

Duration of contract
The period of this contract is 12 months.

Claims service
You must make a claim by notifying us in writing as soon as possible and in any event not later than thirty days from the date of unfitness as a result of sustaining personal injury or the manifestation of illness.