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.
No benefit shall be payable until after a waiting period of 90 days from the date of loss
Significant or unusual exclusions/limitations
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 50% of the benefit to the Insured in respect of Classified Illness as follows:
A Classified Illness is an illness which is directly or indirectly caused by alcohol, drugs or narcotics upon the influence of alcohol, drugs or narcotics
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.
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.