Policy Wording - Great Eastern

(b) damage to property belonging to or in the charge of or under thecontrol of the Insured or a member of the Insured’s Family and / ordomestic servant or of a person in and under a contract of serviceor contract for service verbal or otherwise with the Insured.(c) Bodily Injury or damage arising out of or incidental to:-(i) the Insured’s profession or business.(ii) the use of lifts, elevators, motor vehicles, watercraft, aircraftor aerial devices.(iii) any commodity, article or thing supplied, repaired, altered ortreated by or to the order of the Insured and/or his Familyand/or domestic servant (excluding food and beverageserved for consumption by the Insured and/or his Family and/or domestic servant in the Building).(iv) any dogs, or animals wild or domesticated kept by the Insuredand/or a member of his Family or household as pets.(d) any liability, which attaches by virtue of an agreement but whichwould not have attached in the absence of such agreement.(e) any liability resulting directly or indirectly from the transmissionof any communicable disease by the Insured or members of hisFamily, domestic maid or pets.(f) any liability in respect of bodily injury and loss or damage causedby or in connection with or arising from alterations, additions andrepairs to the Building and/or whilst the Building is undergoingrenovation or construction.(g) loss of or damage caused by or arising from or in connection withvibration or interference with support of land, building or otherproperty or subsidence or any earth movement.TERRITORIAL LIMITS(a) Anywhere in the Republic of Singapore(b) Worldwide excluding USA and/or Canada, its territories orpossessions in respect of travel abroad provided such travel shall notexceed ninety (90) consecutive days in any one period of insuranceJURISDICTION CLAUSEThe indemnity period provided by Section 2 shall only apply in respectof judgments, which are in the first instance delivered by or obtainedfrom a Court of competent jurisdiction in the Republic of Singapore.SECTION 3 – WORLDWIDE PERSONAL ACCIDENTFor the purpose of this Section the expression “the Insured” shallbe deemed to include the legal spouse of the Insured and up to 3biological or legally adopted Children.If the Insured shall sustain Bodily Injury caused by Accident whilst atthe Territorial Limits defined herein and if such Bodily Injury shall withinthree (3) calendar months and independent of any other cause resultin the death or permanent disablement of the Insured, the Corporationwill pay the Sum Insured stated in the Schedule in accordance with theTable of Benefits described hereunder. In the event of the death of theInsured, payment will be made to his legal representatives.The aggregate of all percentages payable under death andpermanent disablement benefit in respect of any Accident shall notexceed 100%. Any claim payable under Section 3 shall be reduced bya sum equal to any claim payable under permanent disablementbenefit in respect of the same Accident.The aggregate of all percentages payable under this Section inrespect of any one Accident shall not exceed 100%.AGE LIMITThe benefits under Section 3 shall be automatically terminated uponthe Insured attaining 70 years of age.Table of BenefitsDeath and Permanent Disablement BenefitPercentages ofCompensationor Sum Insuredas specified inSection 3 of theScheduleDeath100%ORPermanent Disablement1. Total paralysis 100%2. Total & Permanent Loss of all sight in one or100%both eyes3. Total Loss by physical severance or Total & PermanentLoss of use of:(a) one or both hands at wrist(b) arm at shoulder(c) arm between shoulder and elbow100%(d) arm at or below elbow(e) leg at hip(f) leg between knee & hip(g) leg at or below knee4. Total & Permanent Loss of(a) sight in one eye except perception of light(b) lens of one eye5. Total Loss by physical severance or Total & PermanentLoss of use of:(a) thumb & fingers of one hand(b) 4 fingers of one hand(c) thumb – 2 phalanges(d) index finger– 1 phalanx– 3 phalanges– 2 phalanges– 1 phalanx(e) middle finger – 3 phalanges– 2 phalanges– 1 phalanx(f) ring finger(g) little finger– 3 phalanges– 2 phalanges– 1 phalanx– 3 phalanges– 2 phalanges– 1 phalanx(h) all toes of one foot(i) great toe – 2 phalanges– 1 phalanx(j) any other toe6.Total & Permanent Loss of(a) hearing in both ears(b) hearing in one ear50%50%40%25%10%15%10%5%10%7%3%10%7%3%10%7%3%18%6%3%3%75%20%7. Total & Permanent Loss of Speech 50%MEDICAL EXPENSESThe Corporation will indemnify the Insured, his spouse and up to 3biological or legally adopted children up to an amount specified onthe Schedule for any one (1) Accident in respect of medical, surgical,hospital, nursing home and nursing fees and charges necessarily and4 ValueHome CoverMay 2013