We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if:
1) your arrival on your Trip is delayed beyond the Scheduled Departure Date; or
2) you are unable to continue on your Trip after you have departed on your Trip due to your, an Immediate Family Members, Traveling Companions, or Business Partners Sickness, Injury, or death.
Accidental Death & Dismemberment Coverage Definition
What is Accidental Death & Dismemberment - AD&D provides cash payment for accidental loss of life or limb while traveling.
What Does it Cover? - Air Flight Coverage provides coverage in the event of an "accident" during a "covered trip."
Coverage applies:
1. while you are riding, boarding or alighting as a ticketed passenger on a certified passenger aircraft provided by a regularly scheduled airline on any regularly scheduled "trip" or charter; and
2. while you are riding, boarding or alighting from any land or water conveyance provided by the airline as substitute for an aircraft.
We will pay a benefit if you are "injured" in an "accident" which happens while you are on a "trip," and as a direct result of that "accident" you sustain one of the following losses within 180 days of the "accident":
o Loss of Life
o Loss of both hands or feet
o Loss of sight of both eyes
o Loss of one hand and one foot
o Loss of one hand or one foot and the sight of one eye
o Loss of one hand, one foot or the sight of one eye
What we will pay:
1. The Maximum Limit of Coverage as shown in the Declaration of Coverages for loss of: life; both hands or feet; sight of both eyes; one hand and one foot; one hand and the sight of one eye; or one foot and sight of one eye;
2. One-Half the Maximum Limit of Coverage for loss of: one hand; one foot; or sight of one eye.
Disappearance: We will pay the Maximum Limit of Coverage if your body cannot be located within one year after the destruction or disappearance of the conveyance in which you were a passenger due to forced landing, stranding, sinking or wrecking.
If you suffer more than one loss from an "accident," we will pay only for the loss with the greatest benefit.
This benefit is payable to you or your estate, unless you name a beneficiary when you apply for coverage.
Your Duties In The Event Of Loss: You (or your estate) must provide all documents needed to substantiate the date, place and cause of death, such as coroner's reports, police reports, autopsy reports, death certificates and medical records.
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.
Loss: Percentage of Principal Sum Payable:
Life 100% Both Hands; Both Feet or Sight of Both Eyes 100%
One Hand and One Foot 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand; One Foot or Sight of One Eye 50%
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident.
The Principal Sum is the benefit amount shown on the
Schedule.
We will pay 100% of the Principal Sum for loss of: life; both
hands or feet, or sight of both eyes; one hand and one foot;
or one hand or one foot and sight of one eye.
We will pay 50% of the Principal Sum for loss of: one hand
or one foot, or sight of one eye.
If you suffer more than one loss from one Accident, we will
pay only for the loss with the larger benefit. Loss of a hand
or foot means complete severance at or above the wrist or
ankle joint. Loss of sight of an eye means complete and
irrecoverable loss of sight.
TRAVEL ACCIDENT COVERAGE
This benefit provides coverage for a loss due to a covered
Accident. The loss must occur within 365 days of the
covered Accident. The program will pay the full amount (as
listed on Your Letter of Confirmation), in a lump sum, for
loss of life or any combination of two eyes, hands or feet;
and one half of the amount for loss of one eye, hand or
foot. Loss of eye means total and irrecoverable loss of
entire sight; and loss of hand or foot means the actual
complete and permanent severance at or above the wrist
or ankle joint. Death or loss must be a direct result of the
Accident sustained during the Coverage Period.
Benefits will be payable for only one loss, that being the
greatest amount. Benefits are payable to You or, if
applicable, to Your estate unless a beneficiary is named on
Your application.
No coverage will be provided for loss due to any General
Program Exclusion, nor for any loss due to air travel except
while You are riding, boarding or alighting as a ticketed
passenger on a certified passenger aircraft provided by a
regularly scheduled airline on a regularly scheduled Trip or
charter.
Please refer to Your Letter of Confirmation to determine
which benefits are specifically included within the plan You
purchased and their corresponding maximum amount of
coverage.
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.
Loss: Percentage of Principal Sum Payable: Life 100% Both Hands; Both Feet or Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and Sight of One Eye 100% One Foot and Sight of One Eye 100% One Hand; One Foot or Sight of One Eye 50%
We will pay this benefit up to the amount on the Schedule if you are injured in an Accident which occurs while you are on a Trip and covered under the policy, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown on the Schedule.
Loss: Percentage of Principal Sum Payable: Life 100% Both Hands; Both Feet or Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and Sight of One Eye 100% One Foot and Sight of One Eye 100% One Hand; One Foot or Sight of One Eye 50%
Accidental Death & Dismemberment:
If You sustain an Accidental Injury while on the Trip, which results in loss of life; actual severance of limb; or entire and irrecoverable loss of: eyesight, speech, or hearing; within 365 days of the date of the accident, the Insurer will pay the largest applicable amount as follows: the full benefit amount is paid for loss of life, two hands or two feet, speech, and hearing in both ears, one hand, and one foot, sight in both eyes, one hand or one foot, and sight in one eye. One-half of the benefit amount is paid for loss of one hand or one foot, speech, or hearing in both ears, sight of one eye. One-fourth of the benefit is paid for loss of the thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum amount shown on the Schedule of Coverages and Services for all losses due to the same accident.
Exposure: The Insurer will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the event which caused the exposure.
You are covered for Injury sustained during Your Covered Trip. Benefits are not payable under this provision for loss that is payable under Common Carrier Travel Accident Coverage.
Accidental Death & Dismemberment: If You sustain an Injury while
on the Trip, which results in loss of life; actual severance of limb; or
entire and irrecoverable loss of: eyesight, speech, or hearing; within
180 days of the date of the Accident, the Insurer will pay the largest
applicable amount as follows: the full benefit amount is paid for loss of
life, two hands or two feet, speech, hearing in both ears, one hand
and one foot, sight in both eyes, one hand or one foot and sight in
one eye. One-half of the benefit amount is paid for loss of one hand
or one foot, sight of one eye. One-fourth of the benefit is paid for loss
of the thumb and index finger of the same hand. In no event will the
Insurer pay more than the maximum amount shown on the Schedule
of Coverage and Services for all losses due to the same Accident.
If You sustain an Injury while on the Trip, which results in loss of life; actual severance of limb; or entire and irrecoverable loss of: eyesight, speech, or hearing; within 180- days of the date of the Accident, the Insurer will pay the largest applicable amount as follows: the
full benefit amount is paid for loss of life, two hands or two feet, speech, and hearing in both ears, one hand, and one foot, sight in both eyes, one hand or one foot, and sight in one eye. One-half of the benefit amount is paid for loss of one hand or one foot, speech, or hearing in both ears, sight
of one eye. One-fourth of the benefit is paid for loss of the thumb and index finger of the same hand. In no event will the Insurer pay more than the maximum amount shown on the Schedule of Coverage and Services for all losses due to the same Accident.
Exposure: The Insurer will pay benefits for covered losses which result from You being unavoidably exposed to the elements due to an Accident.
Disappearance: The Insurer will pay benefits for loss of life if Your body cannot be located one year after the disappearance of the conveyance in which You were a passenger due to forced landing, stranding, sinking, or wrecking.
You are covered for Injury sustained during Your Covered Trip. Benefits are not payable under this provision for loss that is payable under Common Carrier Travel Accident Coverage.
You are covered 24 hours a day, up to the Maximum Benefit Amount, when You sustain covered Injuries resulting in any of the following
losses within 180 days from the date of the accident.
Benefits will be paid as follows:
loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye – Maximum Benefit Amount;
loss of one hand, one foot or one eye – one half of the Maximum Benefit Amount. Loss of hand or hands, or foot or feet, means complete and permanent severance at or above the wrist joint or ankle joint, respectively.
Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.
Only one of the amounts shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered.
If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.
You are covered 24 hours a day, up to the Maximum Benefit Amount, when You sustain covered Injuries resulting in any of the following
losses within 180 days from the date of the accident.
Benefits will be paid as follows:
loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye – Maximum Benefit Amount;
loss of one hand, one foot or one eye – one half of the Maximum Benefit Amount. Loss of hand or hands, or foot or feet, means complete and permanent severance at or above the wrist joint or ankle joint, respectively.
Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof.
Only one of the amounts shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered.
If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if: (a) the Insured is injured in an accident which happens while he/she is on a Trip and covered under the Policy; and (b) he/she suffers one of the losses listed below, within 365 days of the accident. The Principal Sum is shown on the Schedule of Benefits. The Insurer will not pay more than the Principal Sum for all losses due to the same accident.
Loss Percentage of Principal Sum Payable
Life 100%
Both hands or feet, or sight of both eyes 100%
One hand and one foot 100%
One hand or one foot and sight of one eye 100%
One hand 50%
One foot 50%
Sight of one eye 50%
In no event will the Insurer pay more than the Maximum Limit shown on the Schedule of Benefits for all losses due to the same accident.
If the Insured suffers more than one loss from an accident, the Insurer will pay only for the loss with the larger benefit.
Loss of a hand or foot means complete severance at or above the wrist or ankle joint. The Insurer will not pay more than 100% of the Principal Sum for all losses due to the same accident. Loss of sight of an eye means complete and irrecoverable loss of sight.
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits if: (a) the Insured is injured in an accident which happens while he/she is on a Trip and covered under the Policy; and (b) he/she suffers one of the losses listed below, within 365 days of the accident. The Principal Sum is shown on the Schedule of Benefits. The Insurer will not pay more than the Principal Sum for all losses due to the same accident.
Loss Percentage of Principal Sum Payable
Life 100%
Both hands or feet, or sight of both eyes 100%
One hand and one foot 100%
One hand or one foot and sight of one eye 100%
One hand 50%
One foot 50%
Sight of one eye 50%
In no event will the Insurer pay more than the Maximum Limit shown on the Schedule of Benefits for all losses due to the same accident.
If the Insured suffers more than one loss from an accident, the Insurer will pay only for the loss with the larger benefit.
Loss of a hand or foot means complete severance at or above the wrist or ankle joint. The Insurer will not pay more than 100% of the Principal Sum for all losses due to the same accident. Loss of sight of an eye means complete and irrecoverable loss of sight.
The Insurer will pay this benefit up to the Maximum Limit
shown on the Schedule of Benefits if: (a) the Insured is injured
in an accident which happens while he/she is on a Trip and covered
under the policy; and (b) he/she suffers one of the losses
listed below, within 365 days of the accident.
The amount of this benefit is shown below. The Maximum
Limit is shown on the Schedule of Benefits. The Insurer will
not pay more than the Maximum Limit for all losses due to
the same accident.
Percentage of Principal Loss: Sum Payable
Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Both hands or feet, or sight of both eyes. . . . . . . . . . 100%
One hand and one foot . . . . . . . . . . . . . . . . . . . . . . 100%
One hand or one foot and sight of one eye . . . . . . . . 100%
One hand . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
One foot. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Sight of one eye . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
In no event will the Insurer pay more than the Maximum benefit
shown on the Schedule of Benefits for all losses due to the
same accident.
If the Insured suffers more than one loss from an accident, the
Insurer will pay only for the loss with the larger benefit.
Loss of a hand or foot means complete severance at or above
the wrist or ankle joint. The Insurer will not pay more than
100% of the principal sum for all losses due to the same accident.
Loss of sight of an eye means complete and irrecoverable
loss of sight.
Additional Exclusion: In addition to the General Exclusions, the
Insurer will not pay for loss caused by or resulting from
Sickness or disease of any kind.
This coverage applies only if the Umbrella Package is
purchased. The Insurer will pay this benefit up to the
Maximum Limit shown on the Schedule of Benefits if: (a)
the Insured is injured in an accident which happens while
he/she is on a Trip and covered under the policy; and (b)
he/she suffers one of the losses listed below, within 365
days of the accident.
The amount of this benefit is shown below.
Percentage of Principal/Loss: Sum Payable
Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .100%
Both hands or feet, or sight of both eyes . . . . .100%
One hand and one foot . . . . . . . . . . . . . . . . . 100%
One hand or one foot and sight of one eye . . . 100%
One hand . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
One foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Sight of one eye . . . . . . . . . . . . . . . . . . . . . . 50%
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a loss shown in
the Table below. The loss must occur within 180 days after the date of the Accident causing the loss. The Principal Sum is shown on the Confirmation of Coverage. The maximum
benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Plan. If more than one loss is sustained, as the result of an Accident, the amount payable
shall be the largest amount of a sustained loss shown in the Table of Losses..
EXPOSURE
The Company will pay benefits for covered losses that result from Your being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the
event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.
Loss of: Percentage of Principal Sum:
Life 100%
Both hands or both feet 100%
Sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears 100%
Speech 50%
Hearing in both ears 50%
Thumb and index finger of same hand 25%
The Company will pay the percentage of the Principal Sum shown in the Table of Losses when You, as a result of an Accidental Injury occurring during the Trip, sustain a loss shown in
the Table below. The loss must occur within 180 days after the date of the Accident causing the loss. The Principal Sum is shown on the Confirmation of Coverage. The maximum
benefits for any one single Accident is limited to $15,000,000 for all persons insured under the Plan. If more than one loss is sustained, as the result of an Accident, the amount payable
shall be the largest amount of a sustained loss shown in the Table of Losses..
EXPOSURE
The Company will pay benefits for covered losses that result from Your being unavoidably exposed to the elements due to an Accident. The loss must occur within 365 days after the
event that caused the exposure.
DISAPPEARANCE
The Company will pay benefits for loss of life if Your body cannot be located one year after Your disappearance due to an Accident.
Loss of: Percentage of Principal Sum:
Life 100%
Both hands or both feet 100%
Sight of both eyes 100%
One hand and one foot 100%
Either hand or foot and sight of one eye 100%
Either hand or foot 50%
Sight of one eye 50%
Speech and hearing in both ears 100%
Speech 50%
Hearing in both ears 50%
Thumb and index finger of same hand 25%
PART A BENEFITS
An Insured is eligible for benefits 24 hours a day, up to the
Maximum Benefit Amount shown when the Insured sustains
an Injury during the Covered Trip which results in a Loss
noted below within 180 days of the date of the Injury
causing the Loss.
Benefits will be paid as follows:
Type of Loss Percentage of Principle Sum Payable
Loss of life . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . 100%
Loss of both feet . . . . . . . . . . . . . . . . . . . . . . .. . . 100%
Loss of both hands . . . . . . . . . . . . . . . . . . . . . . . . 100%
Loss of both eyes . . . . . . . . . . . . . . . . . . . . . . . . . 100%
Loss of one hand and one foot . . . . . . . .. . .. . . . . . 100%
Loss of one hand and one eye . . . . . . . . . . . . . . . . 100%
Loss of one foot and one eye . . . . . . . . . . . . . . . . . 100%
Loss of one hand . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Loss of one foot. . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Loss of one eye . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50%
Loss of thumb and index finger of the same hand . . . 25%
Loss of hand or hands, or foot or feet, means severance at
or above the wrist joint or ankle joint, respectively, Loss of
eye or eyes means the total and irrecoverable loss of the
entire sight thereof. Only one of the amounts shown above
(the largest applicable) will be paid for Injuries resulting
from one accident.
The benefit for loss of: (a) two limbs; (b) both eyes; or (c)
one limb and one eye is payable only when such loss
results from the same accident.
These benefits will not duplicate any benefits payable under
the policy or any coverage(s) attached to the policy.
You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%
Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.
You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%
Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.
You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%
Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.
You are eligible for benefits 24 hours a day, in an amount equal to the benefit amount shown on your schedule/certificate, when You sustain Injuries resulting in any of the following losses within 180 days from the date of the accident. Where applicable You will receive benefits in an amount equal to the amount purchased when You sustain Injuries on a Common Carrier: 1) Received while a passenger (not as a pilot, operator or member of the crew) riding in, boarding or alighting from a public conveyance provided by a Common Carrier; and 2) Resulting in any of the losses listed below within 180 days from the date of the accident. Benefits will be paid for the following types of Loss or Injury in the amounts shown:
Loss of Life 100%
Loss of both feet 100%
Loss of both hands 100%
Loss of both eyes 100%
Loss of one hand and one foot 100%
Loss of one hand and one eye 100%
Loss of one foot and one eye 100%
Loss of one hand 50%
Loss of one foot 50%
Loss of one eye 50%
Loss of hand or hands, or foot or feet, means severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only the largest applicable amount shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident. If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary that You suffered loss of life as a result of those Injuries.
24 HOUR You are covered 24 hours a day, up to the Maximum Benefit Limit, when You sustain covered Injuries resulting in any of the following losses within 180 days from the date of the accident. Benefits will be paid as follows:
loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye - Maximum Benefit Amount;
loss of one hand, one foot or one eye - one half of the Maximum Benefit Amount.
Loss of hand or hands, or foot or feet, means complete and permanent severance at or above the wrist joint or ankle joint, respectively. Loss of eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only one of the amounts shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye is payable only when such loss results from the same accident.
If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.
TRAVEL ACCIDENT COVERAGE
This benefit provides coverage for a loss due to a covered
Accident. The loss must occur within 365 days of the
covered Accident. The program will pay the full amount (as
listed on Your Letter of Confirmation), in a lump sum, for
loss of life or any combination of two eyes, hands or feet;
and one half of the amount for loss of one eye, hand or
foot. Loss of eye means total and irrecoverable loss of
entire sight; and loss of hand or foot means the actual
complete and permanent severance at or above the wrist
or ankle joint. Death or loss must be a direct result of the
Accident sustained during the Coverage Period.
Benefits will be payable for only one loss, that being the
greatest amount. Benefits are payable to You or, if
applicable, to Your estate unless a beneficiary is named on
Your application.
No coverage will be provided for loss due to any General
Program Exclusion, nor for any loss due to air travel except
while You are riding, boarding or alighting as a ticketed
passenger on a certified passenger aircraft provided by a
regularly scheduled airline on a regularly scheduled Trip or
charter.
Please refer to Your Letter of Confirmation to determine
which benefits are specifically included within the plan You
purchased and their corresponding maximum amount of
coverage.
The Insurer will pay the benefit stated below if a Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:
Loss
Benefit
Loss of life
100% of the Principal Sum
Loss of one hand
50% of the Principal Sum
Loss of one foot
50% of the Principal Sum
Loss of sight in one eye
50% of the Principal Sum
Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.
If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.
24 HOUR You are covered 24 hours a day, up to the Maximum Benefit Limit, when You sustain covered Injuries resulting in any of the following losses within 180 days from the date of the accident. Benefits will be paid as follows:
loss of life, both feet, both hands, both eyes, one hand and one foot, one hand and one eye or one foot and one eye - Maximum Benefit Amount;
loss of one hand, one foot or one eye - one half of the Maximum Benefit Amount.
Loss of hand or hands, or foot or feet, means complete and permanent severance at or above the wrist joint or ankle joint, respectively. Lossof eye or eyes means the total and irrecoverable loss of the entire sight thereof. Only one of the amounts shown above (the largest applicable) will be paid for the Injuries resulting from one accident. The benefit for loss of: a) two limbs; b) both eyes; or c) one limb and one eye ispayable only when such loss results from the same accident.
If, while covered by this benefit, You are unavoidably exposed to the elements because of a covered accident and suffer a loss for which benefits are payable under this benefit, such loss will be covered. If, while covered by this benefit, You are in an accident resulting in the disappearance, sinking or damaging of an air or water conveyance on which You are covered by this benefit, and Your body has not been found within 52 weeks from the date of the accident, it will be presumed, unless there is evidence to the contrary, that You suffered loss of life as a result of those Injuries.
The Insurer will pay the benefit stated below if a Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:
Loss
Benefit
Loss of life
100% of the Principal Sum
Loss of one hand
50% of the Principal Sum
Loss of one foot
50% of the Principal Sum
Loss of sight in one eye
50% of the Principal Sum
Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.
If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.
The Insurer will pay the benefit stated below if a Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained:
Loss
Benefit
Loss of life
100% of the Principal Sum
Loss of one hand
50% of the Principal Sum
Loss of one foot
50% of the Principal Sum
Loss of sight in one eye
50% of the Principal Sum
Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.
If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.
Medical Evacuation Plans - Coverage for medical evacuation and repatriation only
