Section 2 Personal Injury (Robbery)
In the event of the Insured or any director partner or employee of the Insured (hereinafter called the Insured Person) sustaining accidental Bodily Injury during the Period of Insurance which A) is sustained solely and directly as a result of robbery or attempt thereat while such Insured Person is engaged in the Business and
B) within two years is the sole cause of Death Disablement or incurring of Medical Expenses for which the Benefit is claimed
the Company will pay the appropriate Benefit to the Insured in accordance with the number of Units of cover as shown the Schedule
Bodily Injury does not include sickness or disease or any naturally occurring condition or degenerative process or the result of a gradually operating cause
Exclusions
The Company will not pay the Benefit if 1
Bodily Injury is sustained by any person before such person attains the age of sixteen years or after the
expiry of the Period of Insurance during which such person attains the age of seventy years 2
Bodily Injury Death Disablement or Medical Expenses is the result of or is contributed to by the Insured
Person having a physical or mental defect of any sort which was known either to the Insured or the Insured Person when the Policy was issued or at renewal
However the exclusion shall not apply if the defect has been notified to the Company and accepted in writing
Interpretations 1
1
2 3
Death Disablement Loss of one or more Limbs or Eyes
Permanent Total Disablement other than by Loss of Limb or Eye from gainful employment of any and every kind
4 Temporary Total Disablement from usual occupation 5 2
Medical Expenses necessarily incurred in the treatment of the Insured Person The amount payable for each Unit of cover shall be:
Benefit 1 £10000 2 £10000 3 £1000 4 £100 per week for a maximum of 104 weeks in all and not necessarily consecutive 5 Reimbursement up to 15% of the amount payable under Benefit 4
3 Loss of Limb shall mean
A) in the case of a leg loss by physical severance at or above the ankle or permanent total loss of use of a complete foot or leg
B) in the case of an arm loss by physical severance of the entire four fingers through or above the meta carpo phalangeal joints or permanent total loss of use of a complete arm or hand
4 Loss of Eye shall mean permanent and total loss of sight which will be considered as having occurred
A) in both eyes if the Insured Person’s name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist
B) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale (meaning seeing at 3 feet what the Insured Person should see at 60 feet)
5 Medical Expenses shall mean the cost of medical surgical or other remedial attention treatment or appliances given
or prescribed by a qualified member of the medical profession and all hospital nursing home and ambulance charges
Benefits shall mean
Special Condition
Benefits 40
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