Accidental Death And Dismemberment
We will pay a percentage of the Principal Sum shown in the Policy Schedule or the Schedule of Benefit (refer to 'Schedule of Benefits' of this Policy) if Injury to You under the circumstances described in the Hazard (H-3) during an Insured Journey while this Policy is in effect results in one of the losses shown in the Table of Losses below. The loss must occur within 365 Days from the date of the Accident which caused Injury.
If more than one loss results from any one Accident, only one amount, the largest, will be paid.
| Loss of: | % 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% |
| Speech and Hearing in Both Ears | 100% |
| Either Hand or Foot | 50% |
| Sight of One Eye | 50% |
| Speech | 50% |
| Hearing in Both Ears | 50% |
| Thumb and Index Finger of Same Hand | 25% |
"Loss" with regard to:
- hand or foot means actual severance through or above the wrist or ankle joints respectively;
- eye means entire and irrecoverable loss of sight;
- thumb and index finger means actual severance through or above the joint that meets the hand at the palm;
- speech or hearing means entire and irrecoverable loss of speech or hearing of both ears
Limitation
With regard to the Accidental Death of a named Insured Person Age Seventeen (17) or below, the maximum Principal Sum payable is 10% of the principal sum insured.
Exposure
For the purposes of the Accidental Death and Dismemberment benefits above, a loss resulting from You being unavoidably exposed to the elements due to an Accident occurring during the Trip will be payable as if resulting from an Injury. Loss must occur within 365 Days of the date of the Accident.
Disappearance
We will pay the benefit for Loss of Life if while on a Trip Your body cannot be located within 365 Days after the forced landing, stranding, sinking or wrecking of a conveyance in which You were a passenger or as a result of any Acts of God, in which case it shall be deemed, subject to all other terms and provisions of the Policy, that You shall have suffered loss of life within the meaning of the Policy
Exclusions:
In addition to the General Exclusions listed in this Policy this coverage section shall not cover:
- loss caused directly or indirectly, wholly or partly by:
- infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;
- medical or surgical treatment except as may be necessary solely as a result of Injury;
- any Injury which shall result in hernia
