Page 142 - Binder3

Part R – Personal Accident

Section 1 – Special Definitions

Accident
a) Violent, accidental, external and visible means
b) unavoidable exposure to the elements.

Activities
As described in Section 9 and stated in the schedule.

Annual Earnings
a) The gross basic annual wage or salary inclusive of emoluments, guaranteed overtime and local
weightings from you of the Person Insured at the date of sustaining bodily injury

b) the gross earnings from you of the Person Insured during the 12 months preceding the date of
sustaining bodily injury

whichever is the greater.

Assault
a) Violent or criminal assault

b) attack by animals
c) explosion or whilst searching for explosives.

Loss of Limb
Total loss by physical separation at or above the wrist or ankle or permanent loss of use of an entire
hand, arm, foot or leg.

Loss of Sight
Permanent and total loss of sight:
a) in both eyes if name entered on 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 Snellen Scale.

Person Insured
As described in Section 8 and stated in the schedule.

Usual Occupation
The occupation or profession of the Person Insured as stated in your records at the time of the
bodily injury.

Weekly Earnings
The gross average weekly earnings from you of the Person Insured during the 52 weeks preceding the
date of sustaining bodily injury.

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