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Accidental Death & Dismemberment Insurance (No medical required)

Specific Loss Accident Indemnity

When Injury results in any of the following losses within three hundred and sixty-five (365) days after the date of the Accident, the Insurer will pay:

For Loss of:

Life – The Principal Sum
The Entire Sight of One Eye – Three-Quarters of the Principal Sum
Speech – Three-Quarters of the Principal Sum
Hearing in One Ear – Two-Fifths of the Principal Sum
All Toes of One Foot – One-Third of the Principal Sum

For Loss or Loss of Use of:

One Arm – Four-Fifths of the Principal Sum
One Leg – Four-Fifths of the Principal Sum
One Hand – Three-Quarters of the Principal Sum
One Foot – Three-Quarters of the Principal Sum
Thumb and Index Finger or at Least Four Fingers of One Hand – Two-Fifths of the Principal Sum

For Paralysis of:

Both Upper and Lower Limbs (Quadriplegia) – Two Times the Principal Sum
Both Lower Limbs (Paraplegia) – Two Times the Principal Sum
Upper and Lower Limbs of One Side of Body (Hemiplegia) – Two Times the Principal Sum

Repatriation Benefit

In the event of Death more than 50 km from the insured’s home, benefits will be paid for
the transportation of the body. Please see policy for maximum amounts.

Rehabilitation Benefit

If Rehabilitation is needed to recover from one of the listed injuries to return to employment, the Insurer will pay for a program within three years of the date of loss. Please see policy for maximum amounts.

Aircraft Coverage

Insurance provided under this policy includes Injury sustained while and in consequence of:

a.) Riding as a passenger, and not as a pilot, operator or member of the crew in or on any aircraft having a current and valid certificate of airworthiness and piloted by a person who then holds a current and valid pilot`s license of a rating authorizing him to pilot such aircraft.

b.) Riding as a passenger, and not as a pilot, operator or member of the crew in or on any aircraft operated by the Canadian Armed Forces or by a similar military service of any duly constituted governmental authority of any other recognized country.

c.) Boarding or alighting from or being struck by any aircraft.

Notwithstanding (a) and (b) above, this policy excludes Injury sustained while and in consequence of riding in or on any aircraft owned, operated or leased by or on behalf of
the Policyholder.

Beneficiary Designation

Indemnity payable in the event of the Loss of Life of an Insured Person will be payable to the beneficiary or beneficiaries designated in writing by the Insured Person. If no beneficiary is noted, benefits go to the Insured`s Estate.

Exclusions

This policy does not cover any Loss, fatal or non-fatal, caused or contributed to by:

suicide or intentionally self-inflicted Injury;
war, whether declared or not;
participation in a riot, insurrection, civil commotion or disturbance;
active full-time, part-time or temporary service in the armed forces of any country;
riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided in the section entitled "Aircraft Coverage";
medical treatment or surgery, except if the medical treatment or surgery was needed because of an Accident.

PLEASE NOTE: The above represents a summary of possible benefits only and is not intended as a complete or current representation. Please refer to the Policy for specific details.

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