.........THIS
SUPPLEMENTARY CONTRACT is issued by AIA Company Limited (hereinafter called the "Company") and shall
form a part of the Group Life Policy (hereinafter called the
"Basic Policy") to which it is attached.
The Company agrees, in consideration of
the payment in advance or on the due date to the Company of
the additional premiums applicable to this Supplementary Contract
and computed in accordance with the Additional Premium Rate
stated in the Schedule hereto, to cover the Insured Members
as provided by and subject to the provisions herein contained.
Basic
Policy Provisions
This Supplementary Contract is subject to all the Provisions
of the Basic Policy except as herein modified. Reference in
such Provisions to the Basic Policy shall be deemed, unless
the context otherwise requires, to include a reference to this
Supplementary Contract.
Definition
.........In
this Supplementary Contract unless stated otherwise :
1. "INJURY" means bodily injury which
|
(a)
|
is sustained
by an Insured Member while this Supplementary Contract
is in force. |
|
(b)
|
is caused
solely and directly by accident, and |
|
(c)
|
solely
and independently of any other cause, except sickness
or medical or surgical treatment directly resulting from
or rendered necessary by such injury, occasions the death
or disablement (as specified in the schedule of indemnities)
of that Insured Member within twelve calendar months from
the date thereof. |
2. " LOSS
OF USE" means loss in terms of physical incapacity.
Benefit
If, while this Supplementary Contract is in force, any Insured
Member shall sustain Injury and shall thereby suffer any of
the results described in the following Schedule of Indemnities,
the Company, on receipt and approval of proof, shall, subject
to the provisions, conditions and limitations contained herein
or which may be endorsed hereon, pay an indemnity according
to the said Schedule. The Company shall pay the item of loss
with the greatest amount, one item only except in the event
of loss fingers or toes under Items 13-17 of more than one item
and no claim for compensation can be made under any of the Items
1-12, the Company will pay compensation in accordance with the
actual loss under each of the loss from Items 13-17 combined,
but in no event will the benefit exceed 100% of the Principal
Sum.
| ...... |
Percentage
of
Principal Sum
|
| 1.
Loss of Life |
100 %
|
| 2.
Permanent total loss of sight of both eyes |
100 %
|
| 3.
Permanent total loss of sight of one eye |
100 %
|
| 4.
Loss of or the Permanent Total Loss of Use of two limbs
|
100 %
|
| 5.
Loss of or the Permanent Total Loss of Use of one limb
|
100 %
|
|
6. Loss of speech and hearing of both ears |
100 %
|
|
7. Permanent and incurable paralysis of all limbs |
100 %
|
| 8.
Permanent Total Loss of hearing in |
| (a)
both ears |
75 %
|
| (b)
one ear |
25 %
|
|
9. Loss of speech |
50 %
|
| 10.
Permanent total loss of the lens of one eye |
50 %
|
| 11.
Loss of or the Permanent Total Loss of Use of four fingers
and thumb of |
|
|
(a) right hand |
70 %
|
|
(b) left hand |
50 %
|
12.
Loss of or the Permanent Total
Loss of Use of four fingers ;index finger, ring finger,
middle finger, little finger ; of |
| (a)
right hand |
40 %
|
| (b)
left hand |
30 %
|
| 13.
Loss of or the Permanent Total |
. |
| Loss
of Use of one thumb |
. |
| (a)
two phalanges of right hand |
30 %
|
| (b)
one phalanx of right hand |
15 %
|
| (c)
two phalanges of left hand |
20 %
|
| (d)
one phalanx of left hand |
10 %
|
14.
Loss of or the Permanent Total Loss of Use of one thumb
Loss of Use of fingers by any one of; index finger, ring
finger, middle finger, little finger ; of
|
| (a)
three phalanges of right hand |
10 %
|
| (b)
two phalanges of right hand |
7.5 %
|
| (c)
one phalanx of right hand |
5 %
|
| (d)
three phalanges of left hand |
7.5 %
|
| (e)
two phalanges of left hand |
5 %
|
| (f)
one phalanx of left hand |
2 %
|
| 15.
Loss of or the Permanent Total |
.
|
| Loss
of Use of toes |
. |
| (a)
all toes of both feet |
15%
|
| (b)
2 phalanges of big toe |
5%
|
| (c)
1 phalanx of big toe |
3 %
|
| (d)
each toe other than big toe |
1 %
|
| 16.
Fractured leg or patella with established non-union |
10%
|
| 17.
Shortening of leg by at least 5 cm |
7.5 %
|
| 18.
Permanent Disablement not |
.
|
| Remark
:- |
Where
the Insured Member is left-handed, the percentages relating
to the right arm specified
above shall apply to the left arm or vice versa. |
Permanent
Total Disability
The Insured Member is considered permanently and totally disabled
when as a result of Injury and commencing within twelve (12)
months from the date thereof the Insured Member is prevented
from engaging in any gainful occupation or employment for the
remainder of his lifetime and provided such disability has continued
for a period of twelve (12) consecutive months and is total,
continuous and permanent at the end of the period. Risked Excluded
Risks
Excluded
The
insurance under this Supplementary Contract shall not cover
loss of life and any loss or disability caused directly or indirectly,
wholly or partly, by any one of the following occurrences :
|
(1)
|
suicide,
self-inflicted injuries or any attempt, while sane or
insane; |
|
(2)
|
war,
declared or undeclared, revolution or any warlike operations
; |
|
(3)
|
participating in riot and civil commotion, strikes or
terrorist activities; |
|
(4)
|
Violation
or attempted violation of the law or resistance to arrest; |
|
(5)
|
entering, operating or servicing, riding in or on, ascending
or descending from or with any aerial device, or conveyance
except while the Insured Member is in an aircraft operated
by a commercial passenger airline; |
|
(6)
|
racing on horse or wheels. |
Filing
proof of Loss
For proposing any notice of claim, the insured member, beneficiary
or any person on behalf of the insured member must furnish any
evidence proof of loss to the company within ninety (90) days
after the date of such loss. Failure to give notice within the
time provided in this Supplementary Contracts shall not invalidate
any claim if it shall be shown not to have been reasonably possible
to give such notice was given as soon as was reasonably possible.
Examination
The Company, at its own cost, shall have the right and opportunity
to examine the Insured Member when and so often as it may reasonably
require during the tendency of claim hereunder, and also the
right and opportunity to call for an autopsy in case of death
where it is not forbidden by law.
Payment
of Indemnities
Unless
stated to the contrary in the policy to which this Supplementary
Contract is attached, and if applicable, the following shall
apply :
|
(1)
|
Indemnity
for loss of life of Insured Member is payable to the person
or persons entitled to receive the death benefit under
the Policy or designated as beneficiary under this Supplementary
Contract ; |
|
(2)
|
All other indemnities under this
Supplementary Contract are payable to the Insured Member. |
Appointment
of Arbitration
In case of any dispute, controversy or claim arising out of
this Insurance Policy between the claimant under the insurance
policy and the Company, and if the claimant desires and agrees
that the said dispute shall be settled by arbitration proceeding,
the Company agrees and shall settle the said dispute through
the arbitration under the Arbitration Rules of Insurance Department.
|
