Golfer's Insurance - Pacific & Orient Berhad

Limitations as to payment of BenefitsWe will not pay the Benefits:1.Unless you have obtained and complied with proper medical advice from a duly qualified medical practitioner as soon as possible aftersustaining the injury.2. Unless the death or loss takes place within twelve (12) calendar months from the date of the accident and is directly attrutable to theaccident.3. We will not pay more than one of the aforesaid Benefits in respect of any one accident. After the occurrence an accident. After theoccurrence an accident resulting in a bodily injury by reason of which a claim under any one of the Benefits is payable, this policy shall bedeemed automatically cancelled from the date of that accident and shall be of no further effect subject to New Cover.Exclusions to Section II1. We will not cover you against any occurrence directly or indirectly caused by or resulting from:a) HIV (Human Immundeficiency Virus) and / or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome)and / or any mutant derivatives or variations thereof.b) Any pre-existing physical or mental defect; diseases or sickness of any kind; parasitic, bacterial or viral infection; pregnancy orchildbirth.c) Intentional self-injury; suicide or attempt while sane or insane.d) Age limitation – Below the age of 16 or above the age of 65 years.SECTION III – GOLFING EQUIPMENTIf golfing equipment owned by you (including clubs, bags and caddie cars), is lost or damaged by any accident or misfortune at any recognizedgolf cource or in transit thereto or therefrom we will indemnify you against such loss or damage up to an amount not exceeding the limits set outin the Schedule, in respect of any one golf club or for all loss or damage occurring during any one Period of Insurance.SECTION IV – PERSONAL EFFECTSIf personal effects owned by you (not being property insured under Section III) are lost or damaged by any accident or misfortune at anyrecognized Golf Club we will indemnify you against such loss or damage up to an amount subject to the Limits set out in the Schedule during anyone Period of Insurance.Basis of settlement – Applying to Sections III and IVWe will at our optiona) Pay in cash the amount of the loss or damage to your golfing equipment and/or personal effects, orb) Pay the cost of repairs to your golfing equipment and/or personal effects, orc) Reinstate or replace your golfing equipment and / or personal effects.Exclusions to Sections III and IVWe will not cover you against loss or damagea) Arising from wear and tear or damageb) To golf balls in playc) To golfing equipment left overnight whether in a motor vehicle or in any area/place which is not a secured storge area.d) To watches, jewellery, trinkets, field and other glasses, cameras, binoculars portable radio and / or audio/visual sets, motorvehicles and accessories.e) To deeds, bonds, bills of exchange, promissory notes, cheques, cash, currency notes, bank notes, manuscripts, medals andcoins, money, securities, stamps and documents of any kind.f) Arising from Larceny.SECTION V – INDEMNITY FOR A ‘HOLE IN ONE’If you score a ‘hole out in one’ whilst playing gold at any recognized golf course and by local tradition you are required to extend your hospitalityto members in the club, we will indemnify you for such expenses as you may incur subject always to the Limit mentioned in the Schedule.SECTION VI – MEDICAL EXPENSES TO GOLF CADDIEIf a person who is casually engaged by you soley for his services as a caddie suffers accidental bodily injury arising out of and in the course of hiservices to you and you are required to pay for his medical expenses, we will , subject to presentation of original medical bills, reimburse you forthe cost of medical, surgical and hospital espenses necessarily and reasonably incurred and expended up to an amount not exceeding the summentioned in the Schedule.GENERAL EXCEPTIONSThis Policy does not cover any occurrence directly or indirectly caused by or resulting from:1. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, mutiny, revolution, insurrection, militaryor usurped power or terrorism.2. Nuclear weapons material, lonising radiations or contaminations by radioactivity from any nuclear waste from the combustion of anynuclear fuel. For the purposes of this exclusion combustion shall include any self-sustaining process of nuclear fission.SPECIAL GOLFER’S INSURANCE POLICY….. ( 2 of 4 ) 4-15 JAN 2011