Page 20 - AtlasGroup_Specimen
P. 20
SPECIMENYOU ARE NOT COVERED IF:
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by
external, visible means resulting in physical injury to you and your subsequent death. Death must
occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed
to by illness or disease.
Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused
solely by external, visible means and resulting in complete severance from the body of one or more
limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and
Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above
(toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the
ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.
Beneficiary means the individual named in your application to be the recipient of any Accidental
Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the
application, the beneficiary is automatically as follows:
Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.
Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.
20 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
1. Expenses arise directly or indirectly from anything in the General Exclusions.
Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by
external, visible means resulting in physical injury to you and your subsequent death. Death must
occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed
to by illness or disease.
Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused
solely by external, visible means and resulting in complete severance from the body of one or more
limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and
Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above
(toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the
ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.
Beneficiary means the individual named in your application to be the recipient of any Accidental
Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the
application, the beneficiary is automatically as follows:
Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate.
Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.
20 Atlas Group Description of Coverage | Tokio Marine HCC - MIS Group
