Stated benefits and group personal accident insurance

• Bodily injury to your principal, partner, director, member or employee stated on your policy schedule, where the injury's caused by accidental, violent, external or visible means.
• Disappearance.
• Exposure (injury caused by starvation, thirst and/or exposure to the elements).
• Life support machinery.
• Weekly earnings.
• Annual earnings.
• Medical expenses.
• Temporary total disability.
• Permanent disability.
• Death.

Incidents resulting in death, disability or medical expenses, due to

• Air travel (with exceptions and conditions as stated on your policy schedule).
• Suicide or intentional injury.
• Existing physical defects or infirmity.
• The influence of alcohol, drugs or narcotics (unless administered or prescribed by a medical professional other than themself).
• Participation in any riot, civil commotion or terrorism.
• Directly or indirectly caused by pregnancy, childbirth, abortion, miscarriage, obstetrical procedures or the consequences thereof.
• Certain sports (as stated on your policy schedule).

• Burns and disfigurement.
• Business limitation.