$50,000 per adult
$10,000 per child
$250,000 policy limit
24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb anytime during a covered trip.
Accidental Death & Dismemberment.
The Company will pay indemnity determined from the table below if You sustain a Loss stated therein resulting from Injury suffered from an Accident during the Period of Coverage and subject to the exclusions set forth in Section 8, provided that (i) such Loss occurs within three hundred sixty-five (365) days after the date of Accident causing such Loss; (ii) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card as applicable to You and this Insurance; and (iii) if more than one Loss stated in the table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, will be paid.
For: Insured or travel Companion
Loss of life: Principal Sum
Loss of two members: Principal Sum
Loss of one member: 50% of Principal Sum
Quadriplegia: Principal Sum
Paraplegia: 75% of Principal Sum
Hemiplegia: 50% of Principal Sum
Uniplegia: 25% of Principal Sum
Loss of life: See Schedule of Benefits
Loss of two members: $10,000
Loss of one member: $5,000
Quadriplegia: $10,000 (total paralysis of both upper and lower limbs)
Paraplegia: $7,500 (total paralysis of both lower limbs)
Hemiplegia: $5,000 (total paralysis of both upper and lower limbs of one side of the body)
Uniplegia: $2,500 (total paralysis of one limb)
The total amount payable under this Section 6.2 when there are multiple Insured Persons covered by the Certificate is the amount set forth in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured for a greater proportion of such Insured’s indemnity afforded by the Accidental Death & Dismemberment Benefit than their proportionate share.
For loss of life, the benefit will be paid to the beneficiary designated in writing by You. If no beneficiary is designated or if the beneficiary is no longer living, the benefit will be paid to Your closest living Relative in the following order: (i) Spouse; (ii) Child(ren); (iii) issued of deceased Child(ren); (iv) parent(s); (v) siblings; (vi) issue of deceased siblings; (vii) grandparents; (viii) siblings of parents; or (ix) Your estate.
If benefits are paid for You under Section 6.3, Common Carrier Accidental Death, no benefits will be paid under this Section 6.2. The coverage under this Section 6.2 excludes and does not cover Expenses that are for, resulting from, related to, or incurred in connection with the following:
a) Disease or sickness of any kind;
b) Bacterial infections except pyogenic infection that occurs through an Accidental cut or wound; or
c) Hernia of any kind.
Additionally, the exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 6.2.