Page 19 - AtlasGroup_Specimen
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SPECIMENPERSONAL ACCIDENT
ACCIDENTAL DEATH AND DISMEMBERMENT
YOU ARE COVERED:
1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or
2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of
Benefits; or
3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this
insurance; and
2. The accident giving rise to the accidental death must not be a common carrier accident; and
3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not
be contributed to by illness or disease.
YOU ARE NOT COVERED IF:
1. Accidents or loss caused by or contributed to by any of the following:
a. Terrorism, war or act of war, whether declared or undeclared;
b. Your participation in a riot, insurrection or violent disorder;
c. Your service in the armed forces of any country;
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane;
e. The voluntary use of any chemical compound, poison or drug, unless used according to the
directions of a physician;
f. Committing or attempting to commit a felony;
g. Sickness, mental health disorder, or pregnancy;
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident
occurred, whether directly or indirectly;
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke);
j. Infection, except infection through a wound caused solely by an accident;
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft,
learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was
being used for any purpose other than passenger transportation;
l. Medical or surgical treatment for any of the above; or
m.Any non-covered sports activities.
2. Expenses arise directly or indirectly from anything in the General Exclusions.
In no event will our payment under this benefit total more than the principal sum. The maximum
liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.
COMMON CARRIER ACCIDENTAL DEATH BENEFIT
YOU ARE COVERED:
1. The amount indicated in the Schedule of Benefits to the beneficiary.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The accident giving rise to the accidental death must occur while you are a fare paying
passenger on a regularly scheduled trip on board a commercial airline or cruise line;
2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not
be contributed to by illness or disease; and
3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family
is limited to $250,000.
19 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
ACCIDENTAL DEATH AND DISMEMBERMENT
YOU ARE COVERED:
1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or
2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of
Benefits; or
3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this
insurance; and
2. The accident giving rise to the accidental death must not be a common carrier accident; and
3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not
be contributed to by illness or disease.
YOU ARE NOT COVERED IF:
1. Accidents or loss caused by or contributed to by any of the following:
a. Terrorism, war or act of war, whether declared or undeclared;
b. Your participation in a riot, insurrection or violent disorder;
c. Your service in the armed forces of any country;
d. Suicide or attempted suicide or self-inflicted injury, while sane or insane;
e. The voluntary use of any chemical compound, poison or drug, unless used according to the
directions of a physician;
f. Committing or attempting to commit a felony;
g. Sickness, mental health disorder, or pregnancy;
h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident
occurred, whether directly or indirectly;
i. Myocardial infarction or cerebrovascular accident (CVA / Stroke);
j. Infection, except infection through a wound caused solely by an accident;
k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft,
learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was
being used for any purpose other than passenger transportation;
l. Medical or surgical treatment for any of the above; or
m.Any non-covered sports activities.
2. Expenses arise directly or indirectly from anything in the General Exclusions.
In no event will our payment under this benefit total more than the principal sum. The maximum
liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.
COMMON CARRIER ACCIDENTAL DEATH BENEFIT
YOU ARE COVERED:
1. The amount indicated in the Schedule of Benefits to the beneficiary.
YOU ARE NOT COVERED unless you fulfill the following conditions:
1. The accident giving rise to the accidental death must occur while you are a fare paying
passenger on a regularly scheduled trip on board a commercial airline or cruise line;
2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not
be contributed to by illness or disease; and
3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family
is limited to $250,000.
19 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
