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High Limit Accident Insurance

Plan Highlights | Outline of Coverages | Application | Insurance Agents


Outline

 

Coverage

War and/or terrorism may be covered for an additional premium.

24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.

Common Carrier Coverage includes any form of conveyance that is certified as a common carrier of passengers, including Air Travel.

Aviation Only Coverage includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special or chartered flight and operated by a properly certified pilot. Military Air Transport Service is covered.

(See the Exclusions statement for accidents not covered by this certificate.)

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Benefits

Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.

Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half the Principal Sum amount will be paid in the event of the loss sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.

Sudden Cardiac Arrest (SCA) is available only with the 24-hour AD&D benefit (AD&D and SCA). This coverage pays the full benefit if an insured person dies within 72 hours of a sudden cardiac arrest.

The Principal Sum is the maximum payable loss resulting from a single accident. In the case of multiple losses the largest benefit amount will be paid.

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Benefit Schedule

Loss Covered

Amount Payable

Accidental Death

Dismemberment

  • Loss of or loss of use of two limbs
  • Loss of sigh of both eyes
  • Loss of or loss of use of one limb
  • Loss of hearing of both ears
  • Loss of speech
  • Sudden Cardiac Arrest

The Principle Sum


  • The Principle Sum
  • The Principle Sum
  • One Half Principle Sum
  • One Half Principle Sum
  • One Half Principle Sum
  • The Principle Sum

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Special Features

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Exclusions

Does not cover injury or death caused or contributed to by war, declared or undeclared, or acts of terrorism (unless such coverage is applied for and the appropriate additional premium is paid), intentional self-inflicted injury or injury while committing a criminal or felonious act, alcoholism or drug addiction.

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