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:
We will cover you, and if appropriate your spouse or partner residing with you, under this policy if you and your spouse or partner
Subject to payment of the required premium by you, your children can be added to this policy once they have become three years old and until they reach the age of 18 years old (or twenty-five years old if they are in full-time education). Benefits for children under the age of 18 are reduced by 50%.
Medical Recovery Accident 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.