ABSA CREDIT CARD TRAVEL INSURANCE POLICY WORDING AND SCHEDULE OF BENEFITS

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ABSA CREDIT CARD
TRAVEL INSURANCE POLICY WORDING AND
SCHEDULE OF BENEFITS

Underwritten by Absa Insurance Company Limited
Registration Number: 1992/001737/06
An authorised Financial Services Provider
FSP Number: 8030
Absa Card Travel Insurance Policy Wording                                                                                                                                                                                           2
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   TABLE OF CONTENTS:

   IMPORTANT POLICY INFORMATION ...................................................................................................................................................................................................... 3
   DEFINITIONS ............................................................................................................................................................................................................................................... 5
   GENERAL CONDITIONS (these conditions are applicable to the entire policy wording) ................................................................................................................ 6
   CLAIMS CONDITIONS (these conditions are applicable to the entire policy wording) ................................................................................................................... 7
   CLAIMS PROCEDURES .............................................................................................................................................................................................................................. 7
   GENERAL EXCLUSIONS (these exclusions applicable to the entire policy wording) ....................................................................................................................... 9
   LEISURE AND WINTER SPORTS ACTIVITIES EXTENSION .................................................................................................................................................................... 9
   YOUR COVER ............................................................................................................................................................................................................................................ 11
   SECTION A - THE ABSA TRAVEL ASSISTANT....................................................................................................................................................................................... 11
   SECTION B – EMERGENCY MEDICAL AND ASSOCIATED EXPENSES .............................................................................................................................................. 11
   SECTION C – PERSONAL ACCIDENT ..................................................................................................................................................................................................... 12
   SECTION D – TRIP CANCELLATION OR CURTAILMENT (this cover is only applicable if You have purchased the Optional Top-up Cover) ....................... 14
   SECTION E – BAGGAGE COVER (this cover is only applicable if You have purchased the Optional Top-up Cover) ............................................................... 15
   SECTION F – PERSONAL MONEY AND LOSS OF PASSPORT (this cover is only applicable if You have purchased the Optional Top-up Cover) .............. 16
   SECTION G – TRAVELLING INCONVENIENCE BENEFITS (this cover is only applicable if You have purchased the Optional Top-up Cover) ...................... 17
   SECTION H – PERSONAL LIABILITY ....................................................................................................................................................................................................... 18
   SECTION I – LEGAL EXPENSES AND ADVICE ....................................................................................................................................................................................... 19
   SECTION J – HIJACK AND WRONGFUL DETENTION ........................................................................................................................................................................... 19
   SECTION K – PET CARE (this cover is only applicable if You have purchased the Optional Top-Up Cover) ............................................................................. 19
   SCREENING OF APPLICATION, INSTRUCTIONS AND TRANSACTIONS ........................................................................................................................................... 19
   FAIS DISCLOSURE NOTICE ..................................................................................................................................................................................................................... 20
   ABSA CREDIT CARD TRAVEL INSURANCE SCHEDULE OF BENEFITS:.............................................................................................................................................. 22
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IMPORTANT POLICY INFORMATION
This is Your Absa Credit Card Travel Insurance Policy. This Policy wording; Schedule of Benefits and Your Policy Certificate forms the contract of
insurance and gives You full details of who is covered; what is covered; what is not covered; and the conditions of cover. Please read all documents
carefully and keep them in a safe place and take them with You when You travel.
Please read the following information carefully:
1. We will only cover a person named on the Public Conveyance ticket or Policy Certificate if:
           a. The full cost of an international outbound Public Conveyance ticket from South Africa was charged using a valid Absa credit card; and
           b. The Trip is an international round trip which begins and ends in South Africa; and
           c.   His/Her country of residence is South Africa.
2. This is not a medical aid policy. It only covers You if You are involved in an Accident or fall ill unexpectedly. It does not cover You for non-emergency
     medical treatment.
3. We do not cover payment which You would normally have made during Your travels and/or which does not fall within the events insured under the
     terms of this Policy.
4. If as a result of an Illness or Injury You need emergency medical treatment, You must contact Our Medical Emergency Helpline before You make any
     admission arrangements or incur any expenses. If this is not possible because the condition is serious, You must contact the Emergency Medical
     Helpline as soon as possible after You go into hospital.
5. If You need to return to South Africa for any reason, it is also important that You contact the Medical Emergency Helpline before You make any
     arrangements to return to South Africa.
6. If You do not contact the Medical Emergency Helpline then the most We will pay for any medical claim will be R2 000.
7. Certain benefits are only payable if You have purchased Optional Top-up cover.
8. In some cases any benefit payable will only be made once You have returned to South Africa and have submitted a claim form together with all the
     supporting documentation.
9. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant
     condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years
     or older.

Should you have any queries regarding Your Absa Credit Card Travel Insurance Policy, please contact Us on 0861 227 284 or from outside South Africa
00 27 11 251 3402.

In the event of a medical emergency You must contact the Medical Emergency Helpline on: 00 27 11 991 9521.
                                                                                                     9521
You can request a reverse charge call from the operator.

PREMIUM PAYMENTS
Absa Card Division is liable for the premium for the Automatic Cover and You are liable for the premium for the Optional Top-up cover. The premium is payable
in advance and We shall not be liable for any claim arising under this Policy that occurs prior to receipt of the premium. We shall not be obliged to accept
premium tendered to Us or to any intermediary after such date, but may do so upon such terms as We in Our sole discretion may determine. We reserve the
right to ask for proof of payment of premium at any time. Such proof must be to Our satisfaction.

PERIOD OF INSURANCE
Automatic Travel Insurance:
                 Insurance Cover starts from the date You leave from South Africa on Your Trip and continues for a maximum period of 90 days.
Optional Top-
         Top-up Cover:
                Cover
a. Cancellation Cover: starts from the date the Optional Top-up Cover is purchased and ends when You leave South Africa on Your Trip.
b. All other benefits: Cover starts from the date You leave South Africa on Your Trip and terminates on the expiry date shown in Your Policy Certificate.

CANCELLATION
1. You can cancel this Policy and obtain a refund of the premium You have paid by giving Us written notice within 15 days before Your intended date
    of departure. We will not provide You with a premium refund if you have travelled already, have used the Policy to obtain a visa or have initiated a
    claim or intend to claim. If You have purchased an Annual Multi-trip policy then a pro rata refund of the premium for the unexpired period will be
    paid to You.
2. This Policy may be cancelled by Us giving 15 days’ written notice if You have been in breach of any of its terms, conditions, endorsements,
    terminations and exclusions in accordance with the Short-term Insurance Act of 1998, and any other subsequent legislation that may be enacted, in
    which case We will refund a pro rata premium for the unexpired period.
3. We may cancel this Policy by sending You notice in writing to Your last known address if You have not travelled already. If you are away on a Trip
    We will endeavour to contact You and advise You of the cancellation. If the premium is paid annually in advance in the case of an Annual Multi-trip
    Policy and the Policy is cancelled other than at the anniversary date, then We will refund a pro rata premium provided that no claims have been
    initiated.

TERMINATION
This Policy will not apply to events that occur once You have returned from Your Trip to South Africa. All cover under this Policy will terminate on the
earliest of the following dates:
1. Automatic Cover:
      1.1. The date on which You Return from Your Trip or 90 days from Your date of departure (unless there is an Automatic Extension of the Period of
            Insurance as described elsewhere in this Policy), whichever occurs first; or
      1.2. On the date the master Policy is cancelled; or
      1.3. On the date You reach the maximum age for the cover selected.
2. Optional Top-up Cover:
      2.1. The date on which You return from Your Trip or the expiry date appearing in Your Policy Certificate (unless there is an Automatic Extension of
            the Period of Insurance as described elsewhere in this Policy), whichever occurs first; or
      2.2. On the date the master Policy is cancelled.
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POLICY LIMITS
1. Each section of Your Policy has a limit on the amount We will pay under that section. You can find out what these limits are by referring to Your
    Schedule of Benefits. (Some sections also include other specific limits.,. Check that Your Policy cover is adequate for Baggage and Personal
    Belongings You have with You.
2. You will not be entitled to more than 100% of the sum for any Insured Event as reflected in the Schedule of Benefits.
3. If two or more policies are issued by Us and apply to the same claim, Our maximum liability will never be more than the maximum liability as stated
    on the Policy with the highest benefits. We will refund You the premium You have paid for the Policy which was not used.
4. The maximum amount payable in the event of death or Permanent disability of a child will be 20% of the benefit, or in respect of death that amount
    which is legislated at the Date of Loss, whichever is the lesser.
5. Limit any One Life is the maximum amount of cover each person would be entitled to in the event of an Accident or Illness under the Emergency
    Medical and Associated Expenses:
    Platinum and Private Bank Cards and Business Cards
    Automatic Cover:
               Cover                                R1 000 000
    Optional Cover:
                                          Option 1: R19 000 000
                                          Option 2: R15 000 000
                                          Option 3: R5 000 000
   Seniors Cover:                                   R5 000 000

     Gold and Titanium Credit Card or MasterCard Electronic/Visa Electronic
     Automatic Cover:                               R1 000 000
     Optional Cover:
                                         Option 1: R19 000 000
                                         Option 2: R19 000 000
                                         Option 3: R4 000 000
     Seniors Cover:                                 R5 000 000

     Silver Credit Card or MasterCard Electronic/Visa Electronic
                                                      Electroni
     Automatic Cover:                                 R150 000
     Optional Cover:
                                           Option 1: R19 000 000
                                           Option 2: R14 000 000
                                           Option 3: R4 000 000
     Seniors Cover:                                   R5 000 000

6.    Accumulation Limit in respect of any one Accident during a trip:    R5 000 000 any one Absa card.
      This means that if a Family or group of people travel together and all their airtickets were purchased on a single Absa card, the combined Personal
      Accident benefit limit will not exceed R5 000 000

EXCESS
You may have to pay an amount towards Your claim or wait for a period of time before the benefit applies. This is called the Excess and is reflected in the
relevant section of Your Schedule of Benefits.
Each section may have its own Excess applicable to it. This means that each and every section You claim for may have a separate Excess. Please refer to
Your Schedule of Benefits to determine the Excess per section of cover.

TYPES OF COVER, PLAN TYPES AND TRIP DURATIONS

The following Types of Cover are available:
1. Automatic Cover (No premium payable if Your full cost of an international outbound Public Conveyance ticket has been purchased using an Absa
     credit card). Please refer to the Schedule of Benefits to check what benefits You are covered for.
2. Optional Top-up Cover (You need to purchase this cover)
          a. Option 1:
                3 months up to 59 years of age
                60 years up to 69 years of age
                70 years up to 74 years of age
          b. Option 2:
                3 months up to 59 years of age
                60 years up to 69 years of age
                70 years up to 74 years of age
          c.    Option 3:
                3 months up to 59 years of age
                60 years up to 69 years of age
                70 years up to 74 years of age
          d. Seniors Cover

The following Plan Types are available on the Optional Top-up Cover (excluding the Automatic Cover):
1. Individual: 1 person travelling
2. Couple: 2 people travelling together on an Identical Travel Itinerary.
3. Family/Family Member/Friends: At least 3 but not more than 9 people travelling together on an identical travel itinerary. For Seniors cover a
     maximum of 4 friends travelling together on an Identical Travel Itinerary.
4. Group: At least 10 but no more than 15 people travelling together on an Identical Travel Itinerary. This plan type is not available under Seniors Cover
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The Following Trip durations are available on the Optional Top-up Cover and Plan Type:
1. Single Trip of up to either:
           a. 1 – 90 days (including Your departure date from and Your return date to South Africa)
           b. 91 – 120 days (including Your departure date from and Your return date to South Africa)
           c.    121 – 184 days (including Your departure date from and Your return date to South Africa)
2. Annual Multi-trip: Provides You with cover for an unlimited number of trips undertaken during a 12-month period. The maximum duration per Trip
     is restricted to 90 days (including Your departure date from and Your return date to South Africa).

AGE LIMITS
1. Automatic Cover is available to persons from the age of 3 months to the age of 74 years (inclusive). If You turn 75 during your Trip You will not be
    covered under the Automatic Cover from the day you turn 75.
2. Optional Top-up Cover (Option 1, 2 and 3) is available to persons from the age of 3 months to the age of 74 years. If You turn 75 during Your Trip
    You will need to purchase the Seniors Cover unless for the most part of Your Trip You were 74 years old (i.e. 50% or more of the total Trip duration).
3. Optional Top-up Cover (Seniors) is available to persons from the age of 75 years to 85 years (inclusive). If You turn 86 years during Your Trip You
    will not be covered unless You were 85 years old for the most part of Your Trip (i.e. 50% or more of the total Trip duration).
4. Permanent Total Disability cover under Section C1 – Death and Disability is not available to persons who are 65 years or older at the time of the
    Accident.
5. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant
    condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years
    or older.

REASONABLE CARE
You need to take reasonable care to protect Yourself and Your property, as You would if You were not insured.

USE OF LANGUAGE
Unless otherwise agreed the contractual terms and conditions and other information relating to this contract will be in English. Words in the singular
include the plural and vice versa. Words in the masculine gender shall include the female gender.

AUTOMATIC EXTENSION OF THE PERIOD OF INSURANCE
If You cannot return Home before Your cover ends, Your Policy will remain in force at no extra cost to You for:
1. Up to 14 days if any Public Conveyance operating on land, air or water in which You are travelling as a fare-paying passenger is delayed; or
2. Up to 30 days if You cannot return Home due to Your Illness or Injury.

We will also continue to pay for medical treatment under Section B - Emergency Medical and Associated Expenses for the automatic extension period or
for a maximum of 12 months from the date Your cover ended that is considered medically necessary by Our Medical Emergency Assistance Provider.

FRAUD
If You, or anyone acting on Your behalf or with Your permission, make a claim under this Policy knowing the claim to be dishonest or intentionally
exaggerated or fraudulent in any way, or if You give a false declaration or statement to support the claim, We will not pay the claim and all cover under
the Policy will end. We reserve the right to inform the police about any dishonest claim.

GENERAL DEFINITIONS
The following words or phrases have the following meanings wherever they appear in this Policy wording:
24 Hour Cover means any time period when you are not travelling in a Public Conveyance.
Accident means a sudden, unexpected, specific and violent event which occurs at an identifiable time and place resulting in Injury.
Accumulation Limit means the maximum We will pay in respect of any one Accident arising from one source or cause during a Trip.
Baggage means Your checked–in suitcases (including the contents) and hand luggage (including the contents).
Children means Your dependent children who are unmarried, not in full-time employment, not pregnant, without children and who are between the ages
of 3 months and 21 years; or under the age of 25 years, provided they are enrolled at a registered tertiary institution. It also includes Your mentally
disabled children who are primarily dependent on You for maintenance and support.
Close Business Associate means someone You work with in South Africa who has to be at work in order for You to be able to go on or continue a Trip,
and who is under the age of 75 years.
Date of Loss:
a. for Illness, the first date of diagnosis or the date You first became aware of the Illness – whichever occurs first;
b. for Injury the date of the Accident;
c.    for all other sections the date of the Insured Event.
Effective Date of Cover means:
a. For cancellation cover: the date the Optional Top-up Cover is purchased;
b. For all other sections of cover: the date of departure.
Excess/Excesses
Excess/Excesses means the amount/s You will have to pay towards any claim or any time period before a claim is valid. This applies to each of Your
claims, per section, if applicable.
Family/Family Member means Your Spouse, parent, legal guardian, stepparent, grandparent, grandchild, in-law (son, daughter or parent), natural or
adopted child, brother, sister, stepbrother or stepsister.
Home means Your home address in South Africa.
Identical Travel Itinerary
                  Itinerary means that all insured persons travelling under one Policy have the same departure date from South Africa, return date to South
Africa and are travelling to the same destinations.
Illness (includes reference to falling ill) means any unexpected or sudden sickness or disease contracted, commencing or manifesting for the first time
during the Trip.
Injury (includes reference to being Injured) means the physical trauma caused to You as a direct result of an Accident.
Insured Event
          Event means an event stated in the Schedule of Benefits.
Manual Work means physical labour, which could or does require the use or operation of mechanical or non-mechanical machinery or equipment and
includes any occupational activities underground or requiring the use of explosives.
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Medical Emergency Assistance Provider means Europ Assistance whom We have authorised to assist with, coordinate and negotiate claims and to
operate the medical emergency helpline on Our behalf.
Medical Practitioner means a person registered with a medical institution and with a current, legal licence to practise medicine, but excludes You or a member of
Your immediate Family.
Personal Money means cash (including foreign currency), travellers cheques, non-refundable pre-paid admission tickets and travel tickets.
Personal Belongings means those items worn or carried on You including Valuables.
Policy means this document embodying the contract of insurance and includes any subsequent terms, conditions, exclusions, terminations and
endorsements.
Pre-
Pre-existing Medical Condition means any condition for which within the 12 months prior to the Effective Date of Cover You:
a. have received advice, medication or treatment for any serious, chronic or recurring Illness or Injury; or
b. were or are under investigation or awaiting results for any diagnosed or undiagnosed condition; or
c.     were or are on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed
       condition; or
d. have been diagnosed with a terminal illness.
Professional Player means any person who is remunerated for participating in a sport.
Public Conveyance means a scheduled or chartered conveyance operating on land, air or water and licensed to carry passengers for hire in which You are
travelling as a fare-paying passenger but excluding any taxis, hired motor vehicles, minibus taxis, motorcycles, any single-engine aircraft and helicopters.
Schedule of Benefits means the sections of cover applicable to Your Policy reflecting the maximum benefit payable per section as well as the Excesses
and waiting periods applicable.
Spouse means the husband, wife, partner in a same sex partnership or any de facto partner with whom You have permanently and continuously lived
with in the same household in a relationship which is not casual or impermanent for a period longer than six consecutive months. Only one Spouse shall
be eligible for cover at a time.
Terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group of persons, whether
acting alone or on behalf of or in connection with any organisation or government, committed for political, religious, ideological or similar purposes or
reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Traumatic Event means a violent criminal act or attempt where such violence is intended or made to overpower or subdue.
Travelling Companion means the person who is sharing travel and accommodation arrangements with You on an Identical Travel Itinerary without whom
such a Trip would not be possible and who is also insured with Us.
Trip means holiday or business travel outside of South Africa commencing when You go through passport control from within South Africa and continues
for the Period of Insurance or until You enter passport control on Your arrival back in South Africa, whichever occurs first. This cover only applies to You if
You are travelling on a return round trip via a Public Conveyance.
Unattended means when You are not in full view of or in a position to prevent the unauthorised taking of Your property unless it is in a locked room, safe,
in a locked boot of a locked vehicle or in the luggage space of a locked car or locked hatchback under a top cover and out of view.
Valuables means jewellery, antiques, gold, silver, precious metal or precious stone items, watches, furs, binoculars, telescopes, game consoles and
equipment, mobile phones and audio, audiovisual, photographic, video camera, computer and television equipment.
War means war, whether declared or not, or any warlike activities (including use of military force) by any sovereign nation to achieve economic,
geographic, nationalistic, political, racial, religious or other ends.
We, Us, Our, Insurer means Absa Insurance Company Limited Reg. no 1992/001737/06.
You, Your means the Absa Credit Card Holder and/or the person named on the Public Conveyance ticket whose Trip has been debited in full, to a valid
Absa Credit Card and/or the person named on the Policy Certificate. This includes reference to the insured person.

GENERAL CONDITIONS (these conditions are applicable to the entire policy wording)
1. All amounts are shown in South African rand (ZAR). If expenses are incurred in a foreign currency the rate of exchange used to calculate the
    amount payable will be the rate at the time of incurring the expense or suffering the loss.
2. Any word or expression given a specific meaning in this Policy or the Schedule of Benefits will have that meaning wherever it appears.
3. This Policy may be extended by issuing an endorsement by Us provided that the application is made to Us in writing prior to the expiry of the
    existing Policy and there are neither existing nor initiated claims.
4. You must:
      a. Always exercise reasonable care for the safety, security and supervision of property at all times and must not leave property Unattended in
           public places, unlocked buildings or an Unattended unlocked vehicle.
      b. Follow Our advice or instruction or else We may decline to pay part of or Your entire claim.
      c. Take all precautions to minimise any loss and do not abandon any damaged property.
      d. Attempt to make a recovery from the airline and never leave an airport with a damaged suitcase that has not been reported and a written
           report obtained.
      e. Observe the Policy conditions insofar as they relate to anything to be done by You.
5. If, at the time of an incident which results in a claim under this Policy, there is any other insurance which covers the whole or part of the same loss,
    damage, expense or liability (including statutory insurance), We are entitled to approach that insurer for a contribution towards the claim, and will
    only pay Our proportional share (based on the limit of liability). There is no cover under this Policy for a loss event or liability which is covered under
    any occupational Injury enactment, or workers compensation enactment or benefit of compensation of a similar nature, which is payable by any
    other source. This condition does not apply to the Personal Accident (Section C) or Hospital Cash Sections (Section B5 .1).
6. We will have no liability for any benefit in relation to an Insured Event for which You can seek compensation from an airline. If You are able to
    provide satisfactory proof that You have taken all reasonable and necessary steps to claim from the airline, We will pay a pro rata benefit. Our
    liability will be calculated accordingly by reducing the benefits by the amount for which We consider the airline to be liable.
7. We are entitled to take over and carry out in Your name the defence or settlement of any legal action. We may also take proceedings at Our own
    expense and for Our own benefit, but in Your name, to recover any payment We have made under this Policy to anyone else.
8. You cannot transfer Your rights under this Policy. A person, partnership (whether limited or not) or company which is not named on the Policy
    Certificate for this Policy has no rights under the Contracts (Rights of Third Parties) Act, 1999, to enforce any of its terms.
9. We will not request or encourage You in any manner to waive any of Your rights or benefits presented by or in terms of the Financial Advisory and
    Intermediary Services Act, 2002 (Act no 37 0f 2002), General Code of Conduct for Authorised Financial Service Providers and Representatives FAIS
    Code of Conduct. We will not recognise, accept or act on any such waiver by You. Any such waiver will be considered null and void.
10. We will not be liable or responsible for:
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     a.  The negligence, wrongful acts and/or omissions of any legal and/or health care professional or any other person or legal entity who provides
         direct or indirect services to You.
    b. The failure of an agent or broker to adequately explain the terms, conditions, endorsements or termination and exclusions of this Policy.
    c.   Any insurance or other financial products or services which are sold in conjunction with this Policy that are provided or underwritten by any
         other insurance or assurance company and/or assistance providers and/or financial providers.
11. Should any discrepancy arise between the Policy and any literature received by You, the terms and conditions of this Policy will govern in all cases.
12. This Policy will be voided in the event of any misrepresentation, incorrect description or non-disclosure by or on behalf of You for any
     particular information material to this insurance.

CLAIMS CONDITIONS (these conditions are applicable to the entire policy wording)
1. We have the right to utilise Your Public Conveyance ticket to offset Our expenses.
2. You must follow Our advice or instruction otherwise We may decline to pay the whole or any part of the claim.
3. You must pay Us back any amount We have paid which You are not covered for.
4. You must give Us notice in writing:
     a. Within 90 days of an Accident which may give rise to a claim under Section C. In the event of Your death We shall have the right to have a post
          mortem examination of the body conducted which We will pay for.
     b. Within 30 days of any occurrence which may give rise to a claim under this Policy.
     c. You or Your legal representative must pay for any certificates, information and documented evidence which We may need.
5. You, or any person acting for You, must not negotiate, admit or reject any claim without Our permission in writing.
6. We may refuse to pay any expenses for which You cannot provide receipt or bills.
7. You shall submit to medical examination at Our expense as often as shall be required in connection with any claim. Any report generated as a result
    of such examination shall be Our property and shall be deemed to be confidential information of Ours.
8. Medical treatment shall be sought and followed promptly on the occurrence of an Injury or Illness and We shall not be liable for that part of any
    claim which in the opinion of a Medical Practitioner arises from the unreasonable or wilful neglect or failure of You to seek and remain under the
    care of a qualified Medical Practitioner.
9. All claims arising from criminal incidents are to be supported and accompanied by a certified police report.
10. The due observance and fulfilment of the Policy insofar as it relates to anything being done or complied with by You shall be a condition precedent
    to liability to make payment under this Policy.
11. We shall have the right to access any of Your current and prior medical records in order to finalise and/or proceed with the assessment of a claim
    and/or render medical assistance. By virtue of this clause, You shall be deemed to have given Us written consent to access any of Your current or
    prior medical reports.
12. Legal action may be commenced by You or on Your behalf once You have fulfilled Your claims conditions. You can make representations to Us in
    respect of any decision to reject or dispute a claim or the quantum of a claim for a benefit under the policy within a period of 90 days after the date
    of receipt of the notice of rejection or dispute. You also have a further 180 days after expiry of this 90 day period for the institution of legal action.
13. In the event of any payment under this Policy, all recoveries net of Our actual recovery costs will first be distributed to Us for all amounts paid by Us
    and any remainder will be paid to You.
14. The onus will always be on You to ensure, correctly admit and pay any tax liability in consideration of any benefit being paid that may incur tax or
    imposts of any nature.
15. No amount payable in terms of this Policy shall bear any interest.

CLAIMS PROCEDURES
You will need to complete and sign a claim form and submit this to Europ Assistance who is Our claims management company together with all
supporting documentation that We require in order to assess Your claim. You can obtain a claim form from our website www.absa.co.za (follow the
insurance link) or you can contact Europ Assistance on 00 27 11 991 9521.
                                                                       9521 Your completed and signed claim form together with all supporting
documentation must be sent to Europ Assistance who can be contacted on:

Tel:                 011 991 9521 to obtain a claim form.
Postal address:      Private Bag X20, Weltevreden Park, 1715.
Fax:                 011 388 3544
Email:               assist@europassistance.co.za

For every claim We require the following documentation:
a. Completed and signed claim forms
b. Copies of Your airline tickets
c.   Your Policy Certificate
d. Banking Verification (copy of a cancelled personal cheque or the top section of Your bank statement)
The supporting documentation We require in order to process your claim is as follows:
(Please note that this is not a full list of supporting documentation required to process Your claim. There may be instances when We require You to
provide Us with additional information not listed below

Emergency
Emergency Medical & Related Expenses
In the event of a medical emergency You must contact the Medical Emergency Helpline on:
00 27 11 991 9521.
              9521.
You can request a reverse charge call from the operator if calling from a landline.

Accident Claims:
a. Police/Accident report
b. Detailed medical report (from the Medical Practitioner that treated You while on Your Trip)
c.   Contact details of the Medical Practitioner
d. Invoices/Receipts of expenses incurred
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Illness Claims:
a. Diagnosis and detailed medical report (from the Medical Practitioner who treated You while on Your Trip)
b. Contact details of the Medical Practitioner
c.    Medical report from Your South African Medical Practitioner
d. Invoices/Receipts of expenses incurred

Personal
Personal Accident Claims:
                  Claims:
a. Detailed medical report
b. A copy of the death certificate which indicates the cause of death
c.   A copy of the inquest and post mortem reports
d. A police report if the death is due to a motor vehicle accident

Cancellation or Curtailment Claims:
                              Claims:
In the event that You need to return to South Africa please contact the Medical Emergency Helpline on 00 27 11 991 9521 before You make any travel
arrangements.
a. Proof of payments made for travel costs
b. Confirmation from travel agent, airline, hotel, tour operator, etc. that no refund is due or portion that is non-refundable
c.    Proof of cancellation fees or penalties (if applicable)
d. Medical reports or a death certificate (or both) indicating the reason or necessity for You to cancel Your Trip or curtail Your Trip
e. Proof of additional travel costs incurred in the event of curtailment

Baggage Claims:
a. A passenger/property irregularity report and baggage tags (proof that baggage was checked in)
b. A police report in the event of theft or loss
c.  Any settlement advices from the airline
d. Quotes/Receipts to replace/repair lost/stolen/damaged items
e. Proof of ownership of items that are being claimed for
f.  Valuation certificates (for jewellery claims)

Baggage Delay Claims:
               Claims:
a. A passenger/property irregularity report confirming the length of the delay and baggage tags (proof that baggage was checked in)
b. Receipts for essential items purchased
c.  Delivery report from airline/courier (when Your baggage is returned to You)
d. Details of any compensation received from the airline

Personal Money
         Money and Documents Claims:
                                  Claims:
a. Police and/or passenger/property irregularity report
b. Foreign exchange receipts
c.   Receipts/invoices of costs incurred to replace travel documents

Travel Delay Claims:
             Claims:
a. A passenger/property irregularity report confirming the length and reason for the delay
b. Receipts for essential expenses incurred
c.   Details of any compensation received from the airline

Ticket Upgrade Claims:
               Claims:
Report from the airline confirming the overbooking and/or late arrival of incoming flight and non-availability of onward transportation within waiting
period

Natural Disaster Claims:
                 Claims:
a. Report from the appropriate authority confirming the reason and nature of the disaster and how long it lasted
b. Receipts for essential expenses incurred

Missed Departure Claims:
                 Claims:
a. Receipts of the extra accommodation and travel costs incurred
b. Repairer’s report if missed departure is due to mechanical breakdown of the vehicle in which You were travelling

Missed Connection Claims:
                   Claims:
a. Report from the airline confirming that Your incoming flight arrived late
b. Report from the airline confirming that You missed Your onward connecting flight and that there was no alternative onward transportation available
    to You within 6 hours of Your arrival
c.  Receipts for reasonable essential expenses incurred

Pet Care Claims:
         Claims:
a. Invoices/Receipts from the vet
b. Veterinary report

Hijack and Wrongful Detention Claims:
                              Claims:
a. Report from the appropriate authority confirming details of the Hijack/Wrongful detention including the duration of the Hijack/Wrongful detention

Legal Expenses
      Expenses and Advice; Personal Liability:
Please contact the Medical Emergency Helpline 00 27 11 991 9521
Absa Card Travel Insurance Policy Wording                                                                                                     9
ABSANAC022013 v1

GENERAL EXCLUSIONS (these (these exclusions applicable to the entire policy wording)
We will not pay any claim due to:
1. Your death, Injury, Illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless
    You are trying to save human life), sexually transmitted disease or Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodefiency Virus
    (HIV) infection or any related condition and/or the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not
    for treating drug addiction); or
2. A Pre-existing Medical Condition (not applicable to Section B4 but only if Optional Top-up Cover Option 1 or 2 has been purchased or Pre-existing
    Medical Condition cover under Option 3 has been purchased); or
3. You engaging in occupational activities underground or requiring the use of explosives; or
4. You travelling by air (except as a fare paying passenger in a Public Conveyance) or taking part in other aerial activities; or
5. Your involvement in Manual Work; or
6. You participating in any form of motorcycling; or
7. You not being in possession of the required and/or valid and/or correct travel documents, visas or other required documents; or
8. Any mental or nervous disorders including but not limited to depression, psychotic disorders, personality disorders, anxiety disorders, mental
    retardation, autism, substance use disorders, psychosexual disorders and adjustment disorders; or
9. Pregnancy or childbirth where the expected date of delivery is less than 12 weeks before Your planned return date or 16 weeks in the case of a
    multiple pregnancy; or
10. You participating in any sport as a Professional Player or school sports; or
11. You participating in any hazardous pursuits or activities which introduce or increase the possibility of a loss including but not limited to hunting,
    bungee jumping, abseiling, mountaineering requiring the use of ropes or equipment, racing, being a crew member on a ship or boat travelling from
    one country to another, speed or endurance racing, engaging in sports including contact sports, other than as per the Leisure and Winter Sports
    Activities Extension; or
12. Any consequence whatsoever which is the direct or indirect result of the following, or anything connected with the following, whether or not
    contributed by any other cause or event exposure to or active participation in: War, act of foreign enemy hostilities (whether war has been declared
    or not), riot, civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power or any foreseeable act of Terrorism or violence;
    or
13. Losses arising out of the intentional use of military force to intercept, prevent or mitigate any known Terrorism Act; or
14. Loss in any way caused or contributed by an act of Terrorism involving the use or release or the threat of any nuclear weapon or device or chemical
    or biological agent; or
15. Loss directly or indirectly caused by:
    a. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or
    b. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds; or
16. Loss or destruction or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential
    loss or other loss directly or indirectly caused by or contributed to or arising from ionising radiation or contamination by radio activity from nuclear
    fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion only, combustion shall include any self-
    sustaining process of nuclear fission; or
17. Being in service or on duty with or undergoing training with any military or police force, or militia or paramilitary organisation; or
18. Any transport or accommodation provider, travel agency, tour operator or any person acting as Your agent being declared insolvent or being unable
    or unwilling to fulfil any part of their obligation to You; or
19. We will not pay any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant
    condition or complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years
    or older.
20. Any criminal or illegal act committed by You; or
21. Any indirect or consequential loss that is not described in this Policy. Examples of losses not covered include but are not limited to: telephone calls
    and faxes, meals, taxi fares, inconvenience, distress, loss of earnings, loss of enjoyment..

War and Terrorism Extension (only applicable if You have purchased the Optional Top-
                                                                                Top-up Cover)
General Exclusions 11 and 12 do not apply in respect of Section B – Medical and Associated benefits and Section C – Personal Accident if You have
purchased the Optional cover and where your exposure (as defined in General Exclusion 11) is not wilful.

The most We will pay in respect of this extension is up to the maximum amount shown in the Schedule of Benefits.

LEISURE AND WINTER SPORTS ACTIVITIES EXTENSION
If You participate in any of the following leisure or winter sports activities during Your Trip then We will cover You under Section B – Emergency Medical
and Related Expenses, Section C – Personal Accident and Section H – Personal Liability. For certain leisure and winter sports activities there is no cover
under Sections C and H. (Please refer to the table below indicating these restrictions in cover.)

Important Notes regarding Leisure and Winter Sports Activities
1. Only activities listed are covered in terms of this policy. If You take part in an activity that is not listed, You will not be covered.

2.   This insurance does not cover You while You are taking part in:
      a. any organised team or contact sport not listed; or
      b. You participating in any sport as a Professional Player or school sports
      c. any activity where You are competing in or practicing for speed or timed trials, sprints or racing of any kind.
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Leisure Activities                                Section of Cover included   Section of Cover excluded
Archery (under supervision)                       B, C and H                  Nil
Badminton                                         B, C and H                  Nil
Beach cricket, football and volleyball            B, C and H                  Nil
Body boarding                                     B and C                     H – Personal Liability
Bowls                                             B, C and H                  Nil
Clay pigeon shooting (under supervision)          B, C and H                  Nil
Canoeing, kayaking and rafting (grades 1 & 2      B and H                     C – Personal Accident
only)
Curling                                           B, C and H                  Nil
Cycling (not including racing)                    B, C and H                  Nil
Fencing                                           B,                          C – Personal Accident and H – Personal Liability
Fishing                                           B, C and H                  Nil
Go-karting                                        B and C                     H – Personal Liability
Golf                                              B, C and H                  Nil
Hill and Fell Walking (up to 2000m)               B, C and H                  Nil
Hiking (you must be accompanied by a              B, C and H                  Nil
recognised guide or hike using a clearly marked
tourist route
Horse riding (no jumping)                         B, C and H                  Nil
Ice skating (no speed skating)                    B, C and H                  Nil
Jet skiing                                        B, and C                    H – Personal Liability
Roller blading or skating                         B, C and H                  Nill
Rounders                                          B, C and H                  Nil
Rowing                                            B, C and H                  Nil
Sail boarding                                     B, C and H                  Nil
Sailing (inland or coastal waters* only)          B and C                     H – Personal Liability
Snorkelling or Scuba diving                       B, C and H                  Nil
(You must be accompanied by a qualified
instructor)
Squash                                            B, C and H                  Nil
Surfing                                           B and C                     H – Personal Liability
Swimming                                          B, C and H                  Nil
Table Tennis                                      B, C and H                  Nil
Tennis                                            B, C and H                  Nil
Trampolining                                      B, C and H                  Nil
Water polo                                        B, C and H                  Nil
Water skiing                                      B and C                     H – Personal Liability
Wind surfing                                      B and C                     H – Personal Liability
Winter Sports Activities                          Section of Cover included   Section of Cover excluded
Cross country skiing (on recognised paths)        B, C and H                  Nil
Skiing (on recognised pistes)                     B, C and H                  Nil
Snowboarding (on recognised pistes)               B, C and H                  Nil
Absa Card Travel Insurance Policy Wording                                                                                                 11
ABSANAC022013 v1

YOUR COVER

SECTION A - THE ABSA TRAVEL ASSISTANT
The Absa Travel Assistant is a 24-hour helpline service that helps You sort out all kinds of travel problems whilst You are away on a Trip. Please phone 00
27 11 991 9521,
           9521
Your Absa Travel Assistant through Our Medical Emergency Assistance Provider will arrange access to the following services:
a. 24-
     24-hour Worldwide Emergency Medical Assistance – ensure that:
           o    Where necessary hospitals are contacted; and
           o    Necessary medical fees are guaranteed; and
           o    Medical advisers are consulted.
b. Transmission of Urgent Messages – endeavour to transmit urgent messages on Your behalf or to You in the event of a medical or travel problem.
c.   Embassy Referral – endeavour to provide You with relevant details of diplomatic representatives wherever possible.
d. Emergency Travel and Accommodation Requirements –endeavour to provide all reasonable, possible and practical assistance in arranging for
     emergency alternative accommodation and onward or return transportation if necessary.
e. Legal Assistance –endeavour to locate a source of legal counsel and if necessary an advance of funds for bail. The bail funds or bonds are Your
     responsibility.
f.   Bail –endeavour to assist with the posting of bail on Your behalf from funds provided by Your representative for this purpose, subject to foreign
     exchange approval.
g. Loss of travel documents –endeavour to provide all advice regarding the replacement of Your lost or stolen credit cards, travel and other documents
     required to continue with Your Trip.
h. Cash advances – When as a result of theft, loss, Injury or Illness You require funds to pay for travel and accommodation will advise You or Your
     representative on how to obtain additional funds. They will charge an administration fee for this advice.

SECTION B – EMERGENCY MEDICAL AND ASSOCIATED EXPENSES

Section B1 – Emergency Medical and Related Expenses outside of South Africa
1. If You are Injured or fall ill during Your Trip then We will pay for:
     a. Emergency medical treatment outside of South Africa (including medical transport services to take You to hospital); and
     b. Any reasonable extra charges for accommodation of a similar standard to the accommodation You stayed in on Your Trip if You have to
          extend Your Trip beyond the scheduled return date due to medical reasons. We will also pay the travel costs to get You back Home if You
          cannot use Your original return ticket to get Home.

Section B2 – Medical Evacuation, Repatriation or Transport to Medical Centre Expenses
1. If You are Injured or fall ill during Your Trip then Our Medical Emergency Assistance Provider may:
     a. Move You from one location to another location in order for You to receive adequate medical treatment; and/or
     b. Arrange for Your return to South Africa.
2. We will pay the cost of getting You Home if it is medically necessary and You cannot use Your return ticket.

Special Conditions
1. You must phone the Medical Medical Emergency helpline on 00 27 11 991 9521 immediately if You need medical treatment or if You need to return to
     South Africa. If You do not call Our Medical Emergency Assistance Provider, the most We will pay is R2 000.
2. Our Medical Emergency Assistance Provider will decide how and where to move You.
3. Our Medical Emergency Assistance Provider will arrange for You to be moved or returned Home if they and the treating Medical Practitioner think
     that it is safe for You to be moved or be returned Home.
4. Should You choose not to return to South Africa, Our liability will end on the date it was deemed safe for You to return to South Africa.

The most We will pay (under Sections B1 and B2) is up to the maximum amount shown in the Schedule of Benefits.

Excess
Excess (applicable to Sections B1 and B2)
1. We will not pay the first R2 000 of Your claim under the automatic cover.
2. We will not pay the first R500 of Your claim for out-patient treatment under the Optional Top-up Cover. The Excess is waived for in-patient
     treatment if You have purchased the Optional Top-up Cover.

Section B3 - Medical Assistance benefits:
                                benefits:
Our Medical Emergency Assistance Provider will provide You (where possible) with the following medical assistance services:
a. Medical Referral –will endeavour to arrange for medical attention and hospitalisation if necessary.
b. Medical Monitoring –will endeavour to provide continued medical monitoring of Your condition if necessary.
c.   Emergency Medicine – If special medicines are not available locally, will endeavour to assist You with obtaining and despatching these medicines.

Section B4 – Pre-
               Pre-existing Medical Conditions Cover (Only applicable if You have purchased Optional Top-
                                                                                                      Top-up Cover Option 1 or 2 or if you have purchased
Pre-
Pre-Existing Medical Conditions cover under
                                         under Option 3)
If as a result of a Pre-existing Medical condition You require medical treatment while on Your Trip then We will pay for:
1. Emergency medical and related expenses outside of South Africa (section B1); and/or
2. Medical evacuation, repatriation or transport to medical centre expenses (section B2); and/or
3. Associated Expenses (section B6).

Special Conditions
You must be hospitalised as an in-patient for more than 48 hours.
The most We will pay (under Sections B4) is up to the maximum amount shown in the Schedule of Benefits.

Excess (applicable to Sections B4)
We will not pay the first R1 000 of Your claim.
Absa Card Travel Insurance Policy Wording                                                                                                    12
ABSANAC022013 v1


What is not covered under Section B4? B4?
In addition to anything mentioned in the General Exclusions We will not pay any claim due to or for:
1. Any medical expenses where a Medical Practitioner has advised You not to travel due to medical reasons; or
2. Any claim as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or
      complications that in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older.
Section B5 – Hospital benefit And Holiday Disruption
If You are claiming for medical expenses that are covered under Section B1 – Emergency Medical and Related Expenses outside of South Africa, we will
also:
1. Pay You for every 24 hours You are being treated as an in-patient for the incidental expenses You may incur as reflected in the Schedule of Benefits.
2. Pay towards the cost of Your original holiday, as reflected in the Schedule of Benefits for the disruption of Your holiday if You are treated as an in-
      patient in a hospital for longer than five consecutive days.

Section B6 – Associated Expenses

B6.1 – Visit by a Family Member
If You are travelling alone and are hospitalised We will pay for reasonable additional accommodation and travelling expenses (but excluding telephone
calls, meals, taxis and beverages) necessarily incurred by Your Family Member, who on the advice of a Medical Practitioner appointed by Us travels to
and remains with You until You are fit to resume Your Trip or return Home.
B6.2 – Return of Children
If Your accompanying children are left stranded in the event of Your hospitalisation, repatriation or death, We will arrange and pay for their transportation
to return Home with a qualified escort if necessary, provided they are also insured by Us.

B6.3 – Return of Travelling Companion
If Your Travelling Companion is left stranded in the event of Your hospitalisation, repatriation or death, We will arrange and pay for their transportation to
return Home with a qualified escort if necessary provided they are also insured with Us.

B6.4 – Burial, Cremation or Return of Mortal Remains
In the event of Your death, We will pay the reasonable costs in respect of funeral, burial or cremation expenses in the country where Your death occurred
or the reasonable costs of returning Your body or Your ashes to South Africa.

What is not covered under Sections B1,B1, 2,3,4,5 and 6?
In addition to anything mentioned in the General Exclusions We will not pay any claimr:
1. for a medical condition if You have travelled against the advice of a South African Medical Practitioner or would be travelling against the advice of a
     South African Medical Practitioner if You had taken such advice; or
2. due to a Pre-existing Medical Condition (unless Optional Top-up Cover Option 1 or 2 has been purchased or under option 3 Pre-existing Medical
     Condition cover has been purchased); or
3. for a medical condition You were planning to get medical treatment for during Your Trip; or
4. for:
     a. The cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance Provider has not agreed to beforehand;
           or
     b. The cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the Illness or Injury that You
           originally went to hospital for; or
     c.    Any form of treatment that Your treating Medical Practitioner and Our Medical Emergency Assistance Provider think can reasonably wait until
           You return to South Africa; or
     d. Cosmetic surgery; or
     e. Any extra costs because You want a single or private room; or
     f.    Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre; or
     g. Any treatment after You have returned to South Africa; or
5. as a result of any cardiac or cardiovascular or vascular or cerebrovascular illness or condition including any resultant condition or complications that
     in the opinion of a Medical Practitioner appointed by Us can reasonably be related thereto for persons aged 70 years or older.
6. For costs incurred following Your unreasonable delay in seeking medical advice and/or treatment either prior to or after commencement of the Trip;
     or
7. For any costs relating to:
     a. Contraceptive devices, prosthetic devices, medical appliances and/or artificial aids; or
     b. Preventative treatment, including but not limited to any vaccinations and/or immunisation; or
     c.    Physiotherapy/Chiropractic charges exceeding R1 000 unless You are hospitalised for at least 24 hours; or
     d. Out-patient medical treatment unless prescribed by a Medical Practitioner; or
8. Any claim resulting from a tropical disease where You have not had the required inoculations and/or taken the recommended medication.

SECTION C – PERSONAL ACCIDENT

Section C1 – Death and Disability
24 – Hour Cover
If during Your Trip You suffer an Injury which results in an Insured Event described in the Table of Benefits below then We will pay to You or Your legal
representative the compensation as listed below subject to the Personal Accident limit as reflected in the Schedule of Benefits.
Public Conveyance
If You are travelling as a fare-paying passenger in a Public Conveyance which suffers a catastrophe such as a collision, it sinks or explodes that directly
results in Your Death or Disability We will pay the amount stated in the Schedule of Benefits to Your stated beneficiary or legal representative.
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ABSANAC022013 v1


   Table of Benefits (applicable to Section C only)                             Compensation of the Personal Accident benefit as reflected in the
                                                                                Schedule of Benefits
   1. Death
   1.1. As a result of an Accident                                              100%
   1.2. Exposure to the elements of nature as a direct result of an Accident    100%
   1.3. Disappearance                                                           100%

   2. Permanent Total Disablement
   2.1. As a result of an Accident                                              100%
   2.2. Exposure to the elements of nature as a direct result of an Accident    100%

   3. Permanent disability
   3.1. Permanent and Total Loss of one or more limbs                           100%
   3.2.Permanent and Total Loss of Sight in:
             One eye                                                            50%
              Both eyes                                                         100%
   3.3. Permanent and Total Loss of Hearing in:
             One ear                                                            50%
              Both ears                                                         100%
   3.4. Permanent and Total Loss of Speech                                      100%

   3.5. Total Paralysis                                                         100%
   3.6. Total Permanent and Incurable Insanity                                  100%

Section C2 – Credit Card Balance
If an Injury during Your Trip results in Your death within 12 months of the event and you have a debit balance on your Absa Credit Card, We will pay Your
nominated beneficiary or legal representative the credit card balance benefit. The most We will pay is the maximum amount shown in the Table of
Benefits.

Section C3 – Seniors Personal Accident

      Table of benefits                                                         Compensation of the Seniors Personal Accident benefit as reflected
                                                                                in the Schedule of Benefits
      1. Death
      1.1. As a result of an Accident                                           100%
      1.2. Exposure to the elements of nature as a direct result of an          100%
      Accident
      1.3. Disappearance                                                        100%

Specific Definitions (which are only applicable to Section C)
Disappearance means if You disappear during a Trip and after 12 calendar months it is reasonable for Us to believe that You may have died due to an
Injury or Accident.
Exposure means accidental exposure to the elements of nature as a direct result of an Accident.
Permanent means the condition that has lasted for at least 24 consecutive months and at the end of that period there is no hope of improvement.
Permanent and Total Loss of one or more limbslimbs means in reference to a hand (meaning the entire hand below the wrist) or foot (meaning the entire foot
below the ankle) the loss by physical severance or the Permanent and Total Loss of use of said member.
Permanent and Total Loss of Hearing means the total and irreversible loss of hearing of all sounds confirmed by medical evidence relying on audio-metric
and sound threshold tests.
Permanent and Total Loss of Sight means the total and irreversible loss of sight which will be deemed to have occurred if the degree of sight remaining
after correction is 3/60 or less on the snellen scale.
Permanent and Total Loss of Speech means the total irreversible loss of the ability to speak or the inability to make a comprehensible verbal language.
Medical evidence shall confirm Injury to the vocal cords. All psychiatric causes are excluded.
Permanent Total Disablement
                   Disablemen means total and complete disablement which entirely prevents You from engaging in or giving attention to Your usual or
any occupation for which You are qualified or have received specialised training and which will in all probability be lasting for Your lifetime. The diagnosis
and determination of the Permanent Total Disablement must be made by a Medical Practitioner appointed by Us and must be continuous and
permanent for at least 24 consecutive months from the onset of the disablement.
Total Paralysis means the complete and Permanent loss of use of both arms or both legs, or one arm and one leg through paralysis.
Total Permanent and incurable
                       incurable insanity means You have been diagnosed as permanently and incurably insane according to the usual and customary
standards of the medical profession. This is provided that two Medical Practitioners, one of whom shall be the attending Medical Practitioner, have
personally examined You and concur in their medical opinion that You are permanently and incurably, of unsound mind and incapable of managing Your
own affairs. Their written statement to this effect shall be signed by them in the presence of two identifiable witnesses who are not related to You by
blood or marriage and who would not be entitled to any portion of Your estate. Neither witness may be an employee of the attending Medical
Practitioner or the health facility in which You are a patient or any person who has a claim against any portion of Your estate. The permanent and
incurable insanity must have resulted directly from Injury or Accident.

Special Conditions
1. The death or disability must happen within 24 months of the Accident.
2. You can only claim for one item under Section C1 or C3.
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