Personal Accident and Business Travel Insurance Policy. Ref: CAHP1b

Transcription

1 Personal Accident and Business Travel Insurance Policy Ref: CAHP1b

2 CONTENTS Section 1 Section 2 Section 3 Section 4 Section 5 Section 6 Section 7 Insuring Agreement Specification Pages Endorsements Personal Accident & Business Travel Insurance Policy Part A Personal Accident Coverage B Medical Expenses Coverage C Chubb Assistance D Personal Property Coverage E Money Coverage F Electronic Business Equipment Coverage G Cancellation, Curtailment Rearrangement and Replacement Expenses Coverage H Kidnap and Ransom Coverage I Rental Vehicle Theft, Collision or Damage Coverage J Political and Natural Disaster Evacuation Coverage K Legal Expenses Coverage L Personal Liability Coverage Definitions Part A: General Definitions Part B: Operative Time Descriptions General Exclusions General Insurance Conditions

3 Personal Accident & Business Travel Insurance Policy Section 1 Insuring Agreement Policy Number Insured Address is hereby insured by Chubb Insurance Company of Europe S.A. (referred to herein as the Company), in consideration of payment of the required premium, and in accordance with the attached Policy, Specification(s) and any Endorsement(s). Effective Date Expiry Date (both dates inclusive and any subsequent period for which payment for the renewal of this policy is made and the Company agrees to accept) Policy Limits Event Aggregate Limit Cancellation and/or Curtailment Limit any one event Kidnap and Ransom Limit in the annual aggregate War Aggregate Limit Maximum Benefit Any One Multi-Engined Aeroplane Maximum Benefit All Other Forms of Aerial Transport Maximum Benefit Any One Person (Personal Accident Benefits 1 to 7) Maximum Benefit Any One Person (Personal Accident Benefits 8 and 9) per week Premium Insurance Premium Tax or other applicable Tax Total Payable Each section of this Policy, the Specifications and any Endorsement(s) together with this Insuring Agreement and the General Definitions, Exclusions and Conditions shall read as one document. Wherever a word or series of words appear in bold, they are defined to be given the specific meaning set out in the Section 5 Part A - General Definitions or in the Endorsement(s) to this Policy. They will carry the same meaning throughout wherever they appear within this Policy. The terms of this Policy shall not be waived or changed, except by Endorsement(s) issued to form part of this Policy. This Policy shall not be valid unless it has been initialled by an authorised employee of Chubb Insurance Company of Europe S.A. Date Section 1 Page 1 of 1 Ref: CAHP1b

4 Personal Accident & Business Travel Insurance Policy Section 2 Personal Accident Specification (Part A of Policy) Policy Number: Category: Insured Persons: Operative Time: Please refer to Section 5, Part B for a complete description of the Operative Time. Benefit per Insured Part A Person per Event: 1.Accidental Death: Sum Insured 2.Loss of Limb(s) (one or more) and/or Loss of Eye(s) (one or both): 3.Paraplegia: 4.Quadriplegia: 5.Permanent Total Disablement: 6.Total Loss of Hearing (in both ears) and/or Total Loss of Speech: Total Loss of Hearing in one ear: 7.Permanent Partial Disablement: 8. Temporary Total Disablement: Benefit Period: Deferment Period: 9. Temporary Partial Disablement: Benefit Period: Deferment Period: Section 2 Page 1 of 4 Ref: CAHP1b

5 Benefit per Insured Person per Event: Sum Insured 10.Coma Benefit: 350 per week up to 104 weeks Damage to Personal Effects Up to 1,000 following Occupational Assault: Dependants Benefit: 2% per Child of the Accidental Death Benefit, subject to a minimum of 5,000 per child and up to a total of 10% of the Accidental Death Benefit, or 50,000 whichever is the lesser Domestic Travel Expenses: Up to 5,000 Funeral Expenses: Up to 5,000 Hospitalisation Benefit: 350 per week up to 52 weeks Medical Expenses: Up to 20% of amounts paid under Benefits 1 through 7, or 30% of amounts paid under Benefits 8 and/or 9 whichever is the greater amount, up to a maximum of 15,000 Relocation Expenses: Up to 20,000 Retraining Expenses: Up to 15,000 Section 2 Page 2 of 4 Ref: CAHP1b

6 Personal Accident & Business Travel Insurance Policy Section 2 Business Travel Specification (Parts B to L of Policy) Policy Number: Category: Insured Persons: Operative Time: Please refer to Section 5, Part B for a complete description of the Operative Time. Benefit per Insured Person per Journey: Part B. Overseas Medical Expenses, Emergency Repatriation Expenses and Travel Expenses Coverage: Excess: up to a maximum of C. Chubb Assistance: Included in Part B Overseas Medical Expenses, Emergency Repatriation Expenses and Travel Expenses Coverage D. Personal Property Coverage: Single Article Limit: Delayed Personal Property: Passport Indemnity: Excess: E. Money Coverage: Cash Limit: Excess: F. Electronic Business Equipment Coverage: Single Article Limit: Excess: G. Cancellation, Curtailment, Rearrangement and Replacement Expenses Coverage: Travel Delay: Excess: H. Kidnap and Ransom Coverage: Daily Hi-jack/Kidnap Coverage: I. Rental Vehicle Theft, Collision or Damage Coverage: J. Political and Natural Disaster Evacuation Coverage: Section 2 Page 3 of 4 Ref: CAHP1b

7 Benefit per Insured Person per Journey: up to a maximum of K. Legal Expenses Coverage: L. Personal Liability Coverage: Section 2 Page 4 of 4 Ref: CAHP1b

8 Personal Accident & Business Travel Insurance Policy Section 3 Endorsements Section 3 Page 1 of 1 Ref: CAHP1b

9 Personal Accident and Business Travel Insurance Policy Section 4 Part A - Personal Accident Coverage In the event an Insured Person sustains Bodily Injury during the Operative Time, the Company shall pay the Insured in accordance with the Scale of Benefits stated in the Personal Accident Specification. In respect of any one Insured Person, a benefit shall not be payable under more than one of Benefits 1 to 7 of the Personal Accident Specification, excepting Benefit 3 or Benefit 4 which is payable in addition to Benefit 5. Any benefit payable under Benefit 8 or Benefit 9 shall immediately cease should a benefit under one of Benefits 1 to 7 subsequently be payable by the Company to the Insured. In respect of any Insured Person under the age of 16, the maximum compensation payable under Benefit 1 (Accidental Death) will be 15,000. Permanent Partial Disablement Scale In the event of permanent and irrecoverable disablement which is the sole and direct cause of Bodily Injury and which will in all probability last for the remainder of the Insured Person s life, without reference to the Insured Person s occupation, we will pay the following percentages of the Sum Insured as defined under Benefit 7 of the Personal Accident Specification: Percentages of Sum Insured I. Permanent total deafness in one ear 25% II. Loss of one joint of thumb of either hand 15% III. Loss of more than one joint of thumb of either hand 25% IV. Loss of one joint of forefinger 10% V. Loss of more than one joint of forefinger 20% VI. Loss of one joint of any other finger 5% VII. Loss of more than one joint of any other finger 10% VIII. Loss of both joints of one big toe 15% IX. Loss of one joint of one big toe 10% X. Loss of both joints of any other toe 5% XI. Loss of one joint of any other toe 2% XII. Permanent total loss of use of shoulder or elbow 25% XIII. Permanent total loss of use of wrist, hip, knee or ankle 20% XIV. Removal by surgical operation of lower jaw 30% Section 4 Page 1 of 23 Ref: CAHP1b

10 Conditions to the Permanent Partial Disablement Scale a) If compensation is payable in respect of one Insured Person under more than one form of Permanent Partial Disablement as a result of one accident the total payable shall not exceed 100% of the Sum Insured defined under Benefit 7 of the Personal Accident Specification. b) In the event an Insured Person sustains a Permanent Disability not scheduled above, payment shall be calculated by assessing the degree of disability relative to the above schedule without reference to the Insured Person s occupation. c) If compensation is payable for loss of, or loss of use of a whole member of the body, the Company shall not pay for parts of that member. Coverage Extension to Part A Coma Benefit In the event an Insured Person sustains Bodily Injury resulting in a continuous unconscious state, the Company agrees to pay the Insured for the benefit of the Insured Person, the sum insured shown in the Personal Accident Specification under Coma Benefit for each full week of continuous unconsciousness of the Insured Person, up to a maximum period of 104 weeks. Dependants Benefit In the event of death of an Insured Person, the Company shall pay the Insured for the benefit of the Insured Person, the additional Sum Insured shown in the Personal Accident Specification per child, up to the maximum Sum Insured shown in the Personal Accident Specification. Damage To Personal Effects Following Assault If an Insured Person sustains damage to their personal effects as a result of unprovoked assault during the Operative Time the Company agrees to pay the Insured for the benefit of the Insured Person up to the maximum Sum Insured shown in the Personal Accident Specification. Disappearance If an Insured Person disappears and it is reasonable to believe that such Insured Person has died as a result of Bodily Injury occurring during the Operative Time, the Company shall pay the Insured the Accidental Death Benefit shown in the Personal Accident Specification, provided the Insured provides a signed undertaking that if the death is subsequently found to be incorrect, the Accidental Death Benefit paid shall be refunded to the Company. Section 4 Page 2 of 23 Ref: CAHP1b

11 Domestic Travel Expenses If an Insured Person requires in-patient hospital admission within their Country of Permanent Residence or Country of Secondment as a result of sustaining Bodily Injury or becoming ill during an Insured Journey within their Country of Permanent Residence or Country of Secondment, the Company shall indemnify the Insured for the benefit of the Insured Person for any reasonable and necessary additional costs and expenses for: a) travel, sustenance and accommodation for up to two (2) relatives or friends of the Insured Person who on medical advice, are required to travel to or remain with the Insured Person until the Insured Person s return to their Residence; b) the return transportation of the Insured Person to their Residence; c) in the event of death of the Insured Person as a result of such Bodily Injury or becoming ill, the transportation of the Insured Person to their final resting place within their Country of Permanent Residence or Country of Secondment, up to the maximum Sum Insured shown in the Personal Accident Specification. Exposure Death and/or injury to an Insured Person as a direct result of unavoidable Exposure to the Elements shall be deemed to have been caused by Bodily Injury. Funeral Expenses In the event of Accidental Death, the Company shall pay the Insured for the benefit of the Insured Person, reasonable funeral expenses, up to the maximum shown in the Personal Accident Specification. The Company shall not be liable for more than the Event Aggregate Limit set out in the Insuring Agreement. Hi-Jack/Kidnap If any Insured Person is the victim of a Hi-Jack/Kidnap the coverages provided in Section 4, Part A, shall remain in force until the Insured Person has returned to his/her Country of Permanent Residence or Country of Secondment or until a period of twelve (12) months from the date of the Hi-Jack/Kidnap has expired, whichever shall occur first. Hospitalisation Benefit In the event an Insured Person is admitted to hospital on an in-patient basis as a result of Bodily Injury, the Company shall pay the Insured for the benefit of the Insured Person, the sum insured shown in the Personal Accident Specification for each full week of hospitalisation up to a maximum of 52 weeks. Section 4 Page 3 of 23 Ref: CAHP1b

12 Medical Expenses In the event an Insured Person necessarily incurs Medical Expenses as a result of Bodily Injury, the Company shall pay the Insured for the benefit of the Insured Person, Medical Expenses up to the maximum Sum Insured shown in the Personal Accident Specification. Relocation Expenses In the event an Insured Person sustains Bodily Injury which includes either Paraplegia or Quadriplegia, the Company shall pay the Insured for the benefit of the Insured Person, estate agent s fees and Stamp Duty payments incurred by the Insured Person as a result of having to move from his/her permanent residence to an alternative permanent residence, up to the maximum Sum Insured shown in the Personal Accident Specification. These expenses must have been incurred within twelve (12) months of the Insured receiving a benefit payment under Section 4 Part A Personal Accident Coverage, that includes either Paraplegia or Quadriplegia paid to the Insured for the benefit of the Insured Person. Retraining Expenses In the event of Permanent Total Disablement, the Company agrees to pay the Insured for reasonable expenses incurred by the Insured in retraining the Insured Person for an alternative occupation, up to the maximum Sum Insured shown in the Personal Accident Specification. Special Exclusions to Part A In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) any loss or expenses arising from sickness, disease, any naturally occurring condition, any gradually operating cause or post traumatic stress disorder, other than as a direct result of Bodily Injury caused by an Event; b) any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury; c) any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft. Section 4 Page 4 of 23 Ref: CAHP1b

13 Personal Accident and Business Travel Insurance Policy Section 4 Part B - Overseas Medical Expenses Coverage In the event an Insured Person necessarily incurs Overseas Medical Expenses, associated Travel Expenses and/or Emergency Repatriation Expenses as a result of Bodily Injury or becoming ill during an Insured Journey, the Company shall indemnify Chubb Assistance and/or the Insured for the benefit of the Insured Person, as appropriate, for such expenses up to the maximum amount stated in the Business Travel Specification. The full range of assistance related services and contact numbers for Chubb Assistance are set out in Part C of this Policy. At the first manifestation of a serious medical problem, the Insured or Insured Person must contact Chubb Assistance, which in conjunction with the attending local medical practitioner, shall co-ordinate the most suitable and practicable solution to the medical problem and/or make any repatriation arrangements. Coverage Extension to Part B Continuation of Overseas Medical Expenses The Company agrees to indemnify the Insured for the benefit of the Insured Person, for in-patient Medical Expenses up to a maximum of 20,000 necessarily incurred in connection with an Insured Journey involving travel outside the Country of Permanent Residence or the Country of Secondment and incurred as an in-patient inside the Country of Permanent Residence or the Country of Secondment within three (3) months of the Insured Person s return. Special Exclusions to Part B In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) any Emergency Repatriation Expenses incurred without the prior approval of Chubb Assistance; b) any hospital treatment provided on an in-patient basis, where the Insured Person has not made all reasonable attempts to obtain the prior approval of Chubb Assistance, obtaining approval at the first opportunity thereafter; c) any expenses incurred for treatment that continued for a period of more than three (3) months from the date the expense was first incurred which are not notified and preapproved by Chubb Assistance; Section 4 Page 5 of 23 Ref: CAHP1b

14 d) any expenses incurred by an Insured Person for treatment provided after Chubb Assistance, based on advice of a medical practitioner, has recommended the repatriation of the Insured Person to their Country of Permanent Residence or Country of Secondment; (e) any expenses incurred if an Insured Person who is travelling or intending to travel against the advice of a medical practitioner or for the purpose of obtaining medical treatment or medical advice; (f) any expenses which are recoverable from any other insurance policy in the Insured s or Insured Persons name or which can be obtained from any national insurance program which is applicable to the Insured Person; (g) any expenses incurred after twenty four (24) months from the time the expense was first incurred; (h) any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury; (i) any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft. Section 4 Page 6 of 23 Ref: CAHP1b

15 Personal Accident and Business Travel Insurance Policy Section 4 Part C Chubb Assistance The cover provided under this Policy extends to include a range of assistance services supported by a 24 hour helpline. In the event an Insured Person is travelling on an Insured Journey and requires assistance they should contact the emergency helpline; or alternatively by ing medicalassistance@chubb.com When using Chubb Assistance please make sure you have the following information available; The Insured Person s name and Chubb Assistance card number. The telephone or facsimile number where an Insured Person can be contacted. The Insured Person s address abroad. The nature of the emergency or the assistance required The name of the Insured Person s company, employer or organisation. The medical assistance services provided are; 24 hour service Chubb Assistance is manned 24 hours a day, 365 days a year by multi-lingual assistance co-ordinators, experienced in managing medical assistance cases with hospitals and clinics worldwide. Air Ambulance Chubb Assistance has the resources to provide repatriation by air ambulance or scheduled services depending on the circumstances, this can include a fully qualified medical escort. Medical Staff Chubb Assistance includes a highly qualified team of medical consultants and nursing staff, on hand at any time to coordinate any medical assistance cases, arranging hospital admissions and ensuring that the most appropriate treatment is provided. Direct Billing Chubb Assistance has the ability to arrange direct billing with a network of hospitals and clinics worldwide, which guarantees the payment for treatment provided. Section 4 Page 7 of 23 Ref: CAHP1b

16 Chubb Assistance also provides a range of additional services which are summarised below; Travel Advice In preparation for an Insured Journey, the Insured Person has access to a wealth of helpful and relevant information including currency and banking information, visa details, health requirements and reciprocal health agreements. Legal Referral To an Embassy or Consulate if legal assistance is required including referral to an English speaking lawyer. Medical Referral Where out-patient treatment is required, referral can be made to a suitable hospital, doctor or dentist. With access to a team of highly qualified medical consultants advice can be provided on a range of medical conditions. Emergency Medical Supplies Assistance in locating and forwarding medicine or medical equipment that might be unavailable locally. Lost Ticket & Baggage Location Assistance in replacing lost or stolen tickets, passport or other travel documents. In addition to assistance in locating lost or delayed luggage. Emergency Message Communication Forwarding on messages to family and business colleagues in an emergency. Emergency Cash Advance Assistance in replacing cash lost or stolen during an Insured Journey, the value of any cash advance will be deducted from any subsequent claim under Section 4 Part E Money Coverage. Where a claim is made the value of the cash advance shall be reimbursed by the Insured to the Company upon completion of the Insured Journey. Emergency Travel Assistance Where an Insured Person falls ill or sustains Bodily Injury during an Insured Journey and the attending medical practitioner recommends that two relatives or friends travel to and remain with the Insured Person, assistance will be provided in making the travel and accommodation arrangements. Chubb Assistance This web information service can be accessed via and provides valuable medical and travel information including online country guides that provide security information reflecting the security situation in numerous territories. Access to this site is gained by entering the policy number for this policy as the password when accessing the website. Section 4 Page 8 of 23 Ref: CAHP1b

17 Personal Accident and Business Travel Insurance Policy Section 4 Part D - Personal Property Coverage In the event of loss of or damage to Personal Property during an Insured Journey, the Company shall pay the Insured for the benefit of the Insured Person, the Replacement Value of such Personal Property, up to the maximum amount stated in the Business Travel Specification. However, if Personal Property can be repaired to the state immediately before such loss or damage, payment under this Coverage Part shall be made for such repairs at the Company s discretion, up to the maximum amount stated in the Business Travel Specification and the Single Article Limit for each lost or damaged article. Coverage Extensions to Part D The Sum Insured shall be automatically reinstated after a loss has been sustained during an Insured Journey, at no additional premium. This cover commences from the time the Insured Person leaves his/her place of residence and shall continue until the Insured Person returns, irrespective whether the Insured Person has visited their normal place of business in the interim. Delayed Personal Property In the event Personal Property is delayed for at least four (4) hours during an Insured Journey, the Company agrees to pay the Insured for the benefit of the Insured Person, any reasonable expenses incurred by the Insured Person in purchasing essential replacement clothing or articles, up to the Sum Insured shown in the Business Travel Specification. Any such expenses shall be deducted from the total amount payable under this Coverage Part if Personal Property is proven to have been permanently lost. Passport Indemnity In the event an Insured Person's passport is lost, stolen or destroyed during an Insured Journey, the Company agrees to pay the Insured for the benefit of the Insured Person, for additional travel and accommodation expenses necessarily incurred to enable the Insured Person to obtain a replacement passport, visa or other temporary replacement thereof, up the Sum Insured shown in the Business Travel Specification Section. Special Exclusions to Part D In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: Section 4 Page 9 of 23 Ref: CAHP1b

18 a) loss of or damage due to moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration, mechanical or electrical failure or any process of cleaning, restoring, repairing or alteration; b) loss due to confiscation or detention by customs or any other competent authority; c) loss or damage to Personal Property which is insured under any other policy of insurance; d) loss of or damage to vehicles, their accessories or spare parts. Section 4 Page 10 of 23 Ref: CAHP1b

19 Personal Accident and Business Travel Insurance Policy Section 4 Part E Money Coverage In the event of loss of Money during an Insured Journey, the Company shall indemnify the Insured for the benefit of the Insured Person, for the replacement value of such Money up to the maximum Sum Insured for Money and the Cash Limit shown in the Business Travel Specification. In respect of coverage for Money, cover is extended to 120 hours immediately preceding the commencement of an Insured Journey and for 120 hours immediately following its completion. The Sum Insured shall be automatically reinstated after a loss during an Insured Journey at no additional premium. Coverage Exclusion to Part E In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) loss of Money from any unattended vehicle unless the Money was out of sight in a locked compartment; b) devaluation of currency or shortages due to errors or omissions during monetary transactions; c) loss due to confiscation or detention by customs or any other authority; d) loss arising from fraudulent use of a Credit Card or Charge Card unless the Insured Person has complied, where it was reasonably possible, with all the terms and conditions under which the card was issued. Section 4 Page 11 of 23 Ref: CAHP1b

20 Personal Accident and Business Travel Insurance Policy Section 4 Part F Electronic Business Equipment Coverage In the event of loss of, or damage to, Electronic Business Equipment during an Insured Journey which belongs to the Insured, the Company shall indemnify the Insured for the Replacement Value up to the maximum amount stated in the Business Travel Specification for Electronic Business Equipment, subject to the Excess. However, in the event Electronic Business Equipment can be repaired to its condition immediately preceding the loss or damage, the Company at its discretion, shall pay the cost of repair. Coverage Exclusions to Part F In addition to the General Exclusions of Section 6, the following Special Exclusions apply: The Company shall not pay for: a) loss of or damage due to moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration, mechanical or electrical failure or any process of cleaning, restoring, repairing or alteration; b) loss due to confiscation or detention by customs or any other authority; c) theft except by forced or violent means; d) loss of Electronic Business Equipment from any unattended vehicle unless the Electronic Business Equipment was out of sight in a locked compartment; e) loss or damage to Electronic Business Equipment which is insured under any other insurance policy. Section 4 Page 12 of 23 Ref: CAHP1b

21 Personal Accident and Business Travel Insurance Policy Section 4 Part G - Cancellation, Curtailment, Rearrangement and Replacement Expenses Coverage In the event expenses are incurred by the Insured or the Insured Person as a result of the Cancellation, Curtailment or Rearrangement of any part of the Insured Person s pre-booked travel arrangements for an Insured Journey during the Policy Period as a direct result of any cause outside the control of the Insured or the Insured Person, the Company will indemnify the Insured for the benefit of the Insured Person, for: i) deposits, advance payments and other charges which have not been, and will not be used, but which become forfeit or payable under contract or cannot be recovered elsewhere; and ii) additional travel and accommodation expenses necessarily incurred, up to the maximum Sum Insured stated in the Business Travel Specification and the Cancellation and/or Curtailment Limit any one event per Insured Journey stated in the Insuring Agreement, for any one Event. Coverage Extension to Part G Replacement Expenses The Company shall indemnify the Insured for expenses necessarily incurred in sending a substitute person to complete the original Insured Person s Insured Journey. Expenses shall be limited to air flight and other essential expenses incurred in transporting a substitute person. Travel Delay The Company shall indemnify the Insured for reasonable additional travel and accommodation expenses for an Insured Person caused by the late arrival of the Insured Person by at least four (4) hours, due directly to cancellation or delay of scheduled public transport as a consequence of a strike, breakdown or weather conditions, up to a maximum of 300 per Event. Promotional Vouchers and Awards In respect of an Insured Journey funded wholly or partially by Promotional Vouchers or Awards which have been redeemed and which are unrefundable as a result of the Cancellation, Curtailment, Rearrangement or Replacement, the Company shall indemnify the Insured for the benefit of the Insured Person up to the cost of such Insured Journey up to the maximum Sum Insured shown in the Business Travel Specification in respect of any one Insured Person. Special Exclusions to Part G In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: Section 4 Page 13 of 23 Ref: CAHP1b

22 The Company shall not pay for: a) any expenses incurred if an Insured Person is travelling or intending to travel against the advice of a medical practitioner or for the purpose of obtaining medical treatment or medical advice; b) any loss which is insured under any other insurance policy; c) any loss arising from the cancellation or curtailment of an event held by the Insured, or a subsidiary or parent company thereof; d) any expenses incurred solely as a result of disinclination to travel or to continue the trip; e) any expenses incurred as a result of the Insured Person s redundancy or the termination of their employment more than 31 days prior to an Insured Journey taking place; f) any expenses incurred due to the Insured s or Insured Person s financial circumstances; g) any expenses consequent upon the default of any provider (or their agent) of transport or accommodation or any agent acting for the Insured or the Insured Person; h) any expenses incurred as a result of regulations made by any Public Authority or Government; i) any expenses due to strike, labour, dispute, mechanical breakdown or failure of the means of transport (other than disruption of road or rail services by avalanche, snow or flood) which existed or for which advanced warning had been given prior to the date on which the Insured Journey was booked; j) any claim for cancellation following delay to an aircraft or ship if the delay is due to withdrawal from service temporarily or permanently on the orders of any Port Authority or the Civil Aviation Authority or any similar body in any country. k) any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury; l) any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft. Section 4 Page 14 of 23 Ref: CAHP1b

23 Personal Accident and Business Travel Insurance Policy Section 4 Part H Kidnap and Ransom Coverage In the event an Insured Person is travelling on an Insured Journey outside of their Country of Permanent Residence or Country of Secondment the Company shall indemnify the Insured on behalf of the Insured Person for Kidnap for ransom Consultant s Costs and any ransom payment by the Insured on behalf of the Insured Person up to the maximum amount stated in the Business Travel Specification. Any incident that could potentially give rise to a claim under this Section should be notified immediately to The Ackerman Group who are the consultants appointed by the Company. Their contact number is The Company shall also indemnify the Insured on behalf of the Insured Person in respect of: a) reasonable travel and accommodation expenses incurred by the Insured; b) any reward paid by the Insured to an Informant for information not otherwise available that leads to the arrest and conviction of person(s) responsible for such demand; c) reasonable fees and expenses of an independent public relations consultant with the approval of the Company; d) the salary the Insured continues to pay the Insured Person whilst they are being kidnapped and held for ransom, at the level applicable prior to the Insured Person being kidnapped and for the duration that it is believed that they are alive or until their release subject to a maximum of six (6) continuous months; e) reasonable fees for independent legal and medical advice incurred by the Insured with the approval of the Company; f) the Company shall reimburse the Insured up to the maximum amount shown in the Business Travel Specification for all property or other consideration paid as part or in whole as a ransom payment. Coverage Conditions to Part H In addition to the General Conditions stated in Section 7, the following special conditions apply: The Company shall not pay for: a) ransom demands made by the same person, group or collaborating groups with the apparent purpose of creating a cumulative or coercive effect upon the Insured or Insured Person as these shall be considered as one demand. Section 4 Page 15 of 23 Ref: CAHP1b

24 b) the Company shall not be liable for more than the annual aggregate limit stated in the Insuring Agreement arising out one or more ransom demands in any one Period of Insurance; c) any ransom payments made in foreign currency shall, for the purposes of this policy, be converted to Sterling based on the rate of exchange published in the Financial Times on the date(s) any payment(s) are made; d) in the event of any circumstances that could give rise to a claim under this Section the Insured shall give notice to The Ackerman Group by the most expeditious means and provide The Ackerman Group with all assistance and information in a timely manner. The Company s appointed representatives shall take over and control all negotiations on behalf of the Insured and no offer, promise or payment shall be made by the Insured or Insured Person without the express consent of the Company. Coverage Extension to Part H Daily Hi-jack/Kidnap Coverage The Company shall indemnify the Insured for the benefit of the Insured Person the amount of Benefit stated in the Travel Specification for each complete 24 hour period that an Insured Person is forcibly or illegally detained as the result of a Hi-Jack or Kidnap up to a maximum period of 50 days. Special Exclusions to Part H In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) loss due to any fraudulent, dishonest or criminal act committed or attempted by the Insured, an employee, Director or authorised representative of the Insured, including any person who has custody of any ransom monies. b) any claim for an Insured Person within their Country of Permanent Residence or whilst on an Insured Journey in excess of 30 days duration. c) any Kidnap for ransom which occurs in Algeria, Afghanistan, Brazil, Colombia, Ecuador, Georgia, Haiti, India, Indonesia, Iran, Iraq, Israel, Lebanon, Malaysia, Mexico, Nigeria, Pakistan, Peru, Philippines, Russia, Sri Lanka, Ivory Coast and Venezuela. d) any claim for a Child by its parent or guardian; e) any sums the Insured becomes legally liable to pay as the result of any legal action for damages including legal costs incurred by the Insured in defence of such action, as the result of alleged negligence or incompetence in hostage retrieval operations or Section 4 Page 16 of 23 Ref: CAHP1b

25 negotiations following the kidnapping of an Insured Person or alleged negligence in not preventing the kidnapping of the Insured Person; f) any sums, property or other consideration surrendered to any person other than those responsible for making a previously communicated ransom demand to the Insured or any person(s) authorised to act on behalf of the Insured; g) no cover under this Section shall apply where the Insured or Insured Person has had Kidnap insurance declined or cancelled in the past. Section 4 Page 17 of 23 Ref: CAHP1b

26 Personal Accident and Business Travel Insurance Policy Section 4 Part I - Rental Vehicle Theft, Collision or Damage Coverage In the event of loss by theft, collision or damage to a Rental Vehicle during an Insured Journey, the Company shall indemnify the Insured for the benefit of the Insured Person, any excess or deductible amounts (of the Rental Vehicle insurance policy or any other insurance coverage available to the Insured Person), that an Insured Person is legally liable to pay for such loss by theft, collision or damage, up to the maximum amount shown in the Business Travel Specification for a Rental Vehicle. Coverage Conditions to Part I In addition to the General Conditions stated in Section 7, the following Special Conditions apply: a) the Rental Vehicle must be rented from a licensed rental vehicle company; b) the Insured Person must comply with all requirements of the rental company under the hiring agreement and of the insurer under the insurance policy applicable to the Rental Vehicle. Special Exclusions to Part I In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) loss or damage arising out of operation of the Rental Vehicle in violation of the terms of the rental agreement; b) loss or damage to a Rental Vehicle arising out of wear and tear, gradual deterioration, mechanical or electrical failure not attributable to accidental damage and damage that existed at the commencement of the period of rental; c) any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury. Section 4 Page 18 of 23 Ref: CAHP1b

27 Personal Accident and Business Travel Insurance Policy Section 4 Part J Political and Natural Disaster Evacuation Coverage If the Insured Person is travelling on an Insured Journey outside their Country of Permanent Residence or Country of Secondment, the Company shall indemnify the Insured for the benefit of the Insured Person, for the reasonable expenses incurred in returning the Insured Person to their Country of Permanent Residence or Country of Secondment or the reasonable expenses to evacuate the Insured Person to the nearest place of safety where: a) officials of the country to or in which the Insured Person is traveling on an Insured Journey, recommend that certain categories of person, including the Insured Person, should leave that country for safety reasons; or b) the British Government, through its Foreign and Commonwealth Office, issues a travel advice for a particular country or region to or in which the Insured Person is traveling on an Insured Journey, recommending that certain categories of person, which includes the Insured Person, should leave that country or regions; or c) if the Insured Person is expelled or declared persona non grata in the country where the Insured Person is traveling on an Insured Journey; or d) if the Insured Person s property is seized, confiscated or expropriated during an Insured Journey; or e) a state of emergency has been declared within the country where the Insured Person is on an Insured Journey necessitating immediate evacuation. Coverage Extension to Part J Accommodation Expenses Where the Insured Person is unable to return to their Country of Permanent Residence or Country of Secondment, the Company will indemnify the Insured for the benefit of the Insured Person, for reasonable accommodation costs up to a maximum of 150 per day for a total of fourteen (14) days. Coverage Conditions to Part J In addition to the General Conditions stated in Section 7, the following Special Conditions apply: a) if the Insured Person holds a valid return ticket to their Country of Permanent Residence or Country of Secondment or to another place of safety, the Company shall indemnify the Insured for the benefit of the Insured Person for any additional necessary costs to evacuate the Insured Person; Section 4 Page 19 of 23 Ref: CAHP1b

28 b) where the Insured Person is entitled to a refund on an unused ticket, the Company shall be entitled to deduct the value of the unused portion from the coverage provided to the Insured for the benefit of the Insured Person under this Coverage Part; c) in respect of any necessary air flight the Company shall indemnify the Insured for the benefit of the Insured Person for the cost of an economy flight fare. Special Exclusions to Part J In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) the Insured Person has violated the laws or regulations of the country they are in on an Insured Journey; b) the Insured Person fails to produce or maintain immigration, work, residence or similar visas, permits or other relevant documentation for the country where he/she is on an Insured Journey; c) property of the Insured or Insured Person is repossessed by a titleholder or other interested party, to satisfy any debt, insolvency, financial failure or other financial obligation of the Insured or Insured Person; d) the Insured or the Insured Person fails to honour any contractual obligation, bond or specific performance condition in a license; e) the Insured Person is a national of the country they are in on an Insured Journey; f) the conditions leading to the Insured Person s departure were in existence prior to the Insured Person entering the country or where such conditions were reasonably foreseeable prior to the Insured Person entering the country on an Insured Journey. Section 4 Page 20 of 23 Ref: CAHP1b

29 Personal Accident and Business Travel Insurance Policy Section 4 Part K - Legal Expenses Coverage The Company shall indemnify the Insured for the benefit of the Insured Person, for Legal Expenses incurred in pursuit of a claim for damages or compensation against a third party who caused Bodily Injury or death or illness to an Insured Person, as a result of an Event occurring during an Insured Journey, up to the maximum Sum Insured shown in the Business Travel Specification for Legal Expenses Coverage. Prior to incurring any such Legal Expenses, written consent from the Company must be obtained. The Company will give such prior consent if the Insured satisfies the Company that: a) there are reasonable grounds for pursuing or defending the legal proceedings and it is reasonably likely that such an action/defence shall be successful; and b) it is reasonable for Legal Expenses to be provided in a particular case. Coverage Exclusions to Part K In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: The Company shall not pay for: a) any Legal Expenses incurred for the defence in any civil claim or legal proceedings made or brought by a third party against the Insured Person; b) any fines or penalties; c) any Legal Expenses incurred in connection with any criminal or willful act; d) any Legal Expenses incurred in the pursuit of any claim against a Travel Agent, Tour Operator, Insurer or their agents, which are eligible for consideration under an Arbitration Scheme or Complaints Procedure. e) any claim or circumstance notified more than twenty four (24) months after the incident from which the cause of action arose. Section 4 Page 21 of 23 Ref: CAHP1b

30 Personal Accident and Business Travel Insurance Policy Section 4 Part L Personal Liability Coverage In the event an Insured Person is travelling on an Insured Journey, the Company shall indemnify the Insured for the benefit of the Insured Person, for any legal liability incurred by the Insured Person up to the maximum Sum Insured shown in the Business Travel Specification, for: i) Bodily Injury or illness of any person; ii) accidental loss or damage to the property of any person; iii) any claimant s costs and expenses arising out of i) or ii) above and which the Insured Person or the Insured Person s representatives are legally liable to pay; iv) any other costs and expenses incurred with the Company s prior written consent. Coverage Conditions to Part L In addition to the General Conditions stated in Section 7, the following Special Conditions apply: a) no admission of liability, offer, promise, or payment shall be made by the Insured or Insured Person without the prior written consent of the Company; b) the Insured shall provide the Company with all assistance and information required in defence of a claim under this Policy; c) the Company or their appointed representatives may at its discretion, decide to take over and conduct the defence or settlement of any claim against the Insured or Insured Person. Special Exclusions to Part L In addition to the General Exclusions stated in Section 6, the following Special Exclusions apply: Coverage under this Coverage Part shall not apply to personal liability for: a) accidental loss or damage to property belonging to, held in trust by, or in the custody or control of the Insured, Insured Person, any of the Insured s employees or any member of the Insured Person s immediate family. b) Injury or illness to any member of the Insured Person s immediate family; Section 4 Page 22 of 23 Ref: CAHP1b

31 c) any injury, illness loss or damage arising directly or indirectly as a result of the ownership, possession or use of any mechanically propelled vehicle, aircraft or watercraft; d) any wilful, malicious or unlawful act; e) the carrying on of any trade, business or profession; f) any damages which should be more specifically claimed under any other contract of insurance in the name of the Insured &/or Insured Person; g) any damages resulting from venereal disease, sexually transmitted diseases, Acquired Immune Deficiency Syndrome (AIDS) or any AIDS related condition; h) any fines or penalties; i) liability arising out of the ownership or occupation of land or buildings; j) liability arising out of the rendering or failure to render advice; k) liability arising out of the actual, alleged or threatened contaminative, pathogenic, toxic or other hazardous properties of asbestos; l) damages, loss, cost or expense arising out of any: request, demand, order or regulatory or statutory requirement that any Insured or others that test for, monitor, clean up, remove, contain, treat, detoxify or neutralise, or in any way respond to, or assess the effects of asbestos; or claim or proceeding by or on behalf of a government authority or others for any damages, loss, cost or cleaning up, containing, treating, detoxifying or neutralising, or in any way responding to, or assessing the effects of asbestos; m) any loss or expenses arising from an Insured Person committing or attempting to commit suicide, or intentionally inflicting self injury; n) any loss or expenses arising from an Insured Person engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft. Section 4 Page 23 of 23 Ref: CAHP1b

32 Personal Accident and Business Travel Insurance Policy Section 5 Part A General Definitions This Policy uses words in their plain English meaning. Words with special meanings are defined here or in the part of the Policy where they are used. Throughout the Policy, defined terms will be capitalised and bolded when used. Annual Salary The total annual basic salary including overtime, but excluding bonus or commission payments payable by the Insured to the Insured Person at the date Bodily Injury is sustained. Overtime payments shall be based on the average payments made during the 12 months immediately prior to the date of Bodily Injury. Benefit Period The total period (not necessarily consecutive) for which Benefits for Temporary Total Disablement and/or Temporary Partial Disablement are payable in respect of any one loss to any Insured Person. Where an Insured person is employed by the Insured on a contract of fixed duration, the benefit period will cease at expiry of the contract or as otherwise defined in the Personal Accident Specification whichever is the lesser. Bodily Injury Injury which is caused by a sudden unforeseen and fortuitous identifiable Event, and which solely and independently of any other cause, results within twenty four (24) months from the date of such injury in the Insured Person's death, dismemberment or disablement. Child or Children Any dependant and unmarried person under 18 years of age, or 23 years of age if in full time education. Consultant s Costs Reasonable fees and expenses of the Company s chosen consultants incurred in response to a Kidnap including but not limited to costs of travel, accommodation, qualified interpretation, communication, and payments to Informants. Country of Secondment The country where an Insured Person temporarily resides under a contract with the Insured for at least six (6) months and accepted by the Company in a Country of Secondment Endorsement attached to and forming part of the Policy. Section 5 Page 1 of 10 Ref: CAHP1b

33 Country of Permanent Residence The country where an Insured Person resides indefinitely or where an Insured Person has the intent to reside indefinitely. Deferment Period A period at the beginning of a period of Temporary Disablement during which compensation provided by Benefits for Temporary Total Disablement and/or Temporary Partial Disablement shall not be payable. Delayed Personal Property Reasonable expenses incurred by the Insured Person during an Insured Journey to purchase essential replacement clothing or articles due to the Insured Person s personal property being delayed for at least four (4) hours. Electronic Business Equipment Items owned by the Insured and provided to the Insured Person to enable the Insured Person to perform their occupational tasks. These items must be of an electronic nature, and cannot be items supplied or manufactured by the Insured. Emergency Repatriation Expenses The additional cost of transportation including the cost of medical attendants necessarily incurred in transporting the Insured Person to an appropriate hospital or nursing home or to the Country of Permanent Residence or Country of Secondment if applicable, if recommended by Chubb Assistance, in conjunction with the local attending medical practitioner. Employee Any person under a contract of service or apprenticeship with the Insured, or any person the Insured has the right to instruct in his/her performance. Event One occurrence or all series of occurrences, consequent upon or attributable to, one source or original cause. Event Aggregate Limit The maximum amount stated within the Insuring Agreement for which the Company can be held liable in respect of loss or expenses for Bodily Injury arising out of a single Event. In the event the total amount of all claims for Bodily Injury exceeds the maximum amount stated in the Insuring Agreement, each individual claim shall be proportionately reduced until the total value of all claims do not exceed the maximum amount stated in the Insuring Agreement. Section 5 Page 2 of 10 Ref: CAHP1b