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A serious accident can bring added expenses to your daily costs
over and above an income loss. Wheelchair ramps, rehabilitation
and special care all cost money. In the event of a serious accident,
or even accidental death, the funds payable from this plan can
help you meet these obligations.
This economical plan covers accidental death, loss of sight, hearing
and speech, loss of use, or loss of limb, hands or feet and certain
types of paralysis.
Coverage is available up to $500,000.00 in units of $10,000.00
each.
| For loss of (or loss of use of): |
Percentage of the principal sum paid: |
| Loss of life |
100% |
| Quadriplegia (paralysis of all four limbs) |
200% |
| Paraplegia (paralysis of upper limbs or lower
limbs) |
200% |
| Hemiplegia (paralysis of limbs on one side
of the body) |
200% |
| Loss of one or both hands or loss of use of
one or both hands |
100% |
| Loss of one or both feet or loss of use of
one or both feet |
100% |
| Loss of the entire sight of one or both eyes |
100% |
| Loss of one or both arms or loss of use of
one or both arms |
100% |
| Loss of one or both legs or loss of use of
one or both legs |
100% |
| Loss of speech |
100% |
| Loss of hearing in one or both ears |
100% |
Loss of one hand and one foot or loss of use
of one hand and one
foot |
100% |
Loss of one hand or use of one hand and the
entire sight of one
eye |
100% |
| Loss of one foot or use of one foot and the
entire sight of one eye |
100% |
| Loss of thumb and index finger of either hand |
50% |
| Loss of four fingers of the same hand |
50% |
| Loss of all toes of one foot |
25% |
The limit of indemnity payable under the terms of this insurance,
whether due to one or more accidents shall be the principal sum.
Under no circumstances will an impairment that existed prior
to an accident, or the first of aseries of accidents, occurring
within a consecutive period of forty-eight (48) hours, be taken
into account for determining the specific loss sustained in such
accident or series of accidents.
Thus, for example, an Insured Person who had prior to an accident
lost the entire sight of one (1) eye would not be deemed to have
sustained the loss of the entire sight of both eyes if theaccident
resulted in the loss of sight of the remaining good eye.
Repatriation Benefit: When injuries covered by this insurance
result in loss of life of an insured person outside Canada within
three hundred sixty-five (365) days after the date of the accident,
the Company will pay the actual expenses incurred for preparing
the deceased for burial and shipment of the body to the city of
residence of the deceased. The maximum so payable will not, however,
be greater than the sum of $2,500.
Note: this is not a policy and your certificate of
insurance received after approval will be the document including
any and all particulars about your coverage.
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