A sudden, unexpected event which happens at a certain time and place during the period of cover and which causes bodily injury.
Unless otherwise stated in your policy or your Policy Schedule, this insurance does not cover claims related to or in any way caused or contributed to by:
It is a condition precedent to our liability under this insurance contract that the following matters, in relation to all persons in respect of whom you wish us to provide you with cover under this policy, are true and accurate:
If any person in respect of whom you wish us to provide you with cover under this policy does not meet the eligibility requirements above we will not provide you with any cover in relation to such person under this policy.
Please contact the administrator as soon as possible if any person in respect of whom you wish us to provide you with cover under this policy does not meet, or no longer meets, the eligibility requirements, or if you have any queries. Contact details are given on page 4 of the Policy Document
Medical Recovery Insurance benefits are graded according to the normal recovery times of operations that in most cases would allow a person to return to light manual work. The benefits will not increase if a person takes longer to recover and will not reduce if they get back to work more quickly than expected.
You can add or remove an employee in respect of whom you wish us to provide cover to you under this policy at any monthly anniversary of your start date by contacting the administrator. Contact details are given on page 4 of our Policy Document.
Should you increase the level of cover in relation to an employee at your renewal date then we will not cover any planned treatments at the date that the level of cover was increased over and above the previous level of cover purchased for that employee.