人身意外伤害险 英语翻译.docx
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人身意外伤害险 英语翻译.docx
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人身意外伤害险英语翻译
PIONEERINSURANCECOMPANYLIMITED
Caringforyou,forever……..
HeadOffice:
Symphony(5thFloor),Plot#SE(F)9,Road#142,SouthAvenue,Gulshan-1,Dhaka-1212.
PERSONALACCIDENTPOLICY
WhereastheInsurednamedintheScheduleofthisPolicybyProposalanddeclarationwhichshallbethebasisofthiscontractandisdeemedtobeincorporatedhereinhasappliedtoPIONEERINSURANCECO.,LTD.(hereinaftercalled“theCompany”)fortheInsurancehereinaftercontainedandhaspaidoragreedtopaytheFirstpremiumstatedintheScheduleasconsiderationforsuchinsurance.
NowthisPolicywithnesseththatifatanytimeduringanyperiodofinsuranceanyoftheinsuredPersonsnamedintheScheduleshallsustainanybodilyinjurycausedbyaccidental,violent,externalandvisiblemeanswhichinjuryshallsolelyandindependentlyofanyothercauseresultindeathordisablementasdefinedintheScheduleofBenefitsthensubjecttothetermsProvisions,exceptionsandconditionscontainedhereinorendorsedhereon,theCompanywillpaytotheInsuredorintheeventofhisdeathtohislegalpersonalrepresentativescompensationasprovidedintheScheduleofBenefits.
Providedalwaysthat
1.Death,lossorpermanentdisablementtakesplacewithintwelvecalendarmonthsoftheoccurrenceoftheinjury.
(a)CompensationshallnotbepayableundermorethanoneoftheitemsoftheScheduleofCompensationinrespectofconsequencesofthesameaccident(exceptforanycompensationpayablehereunderinrespectoftemporarypartialdisablementprecedingorfollowingtemporarytotaldisablement).(b)Noweeklycompensationshallbecomepayableuntilthetotalamounthereofhasbeenascertainedandagreed.If,nevertheless,paymentbemadeforweeklycompensation,theamountsopaidshallbedeductedfromanylumpsumbecomingclaimableinrespectofthesameaccidentofillness.
2.ThetotalsumpayableunderthispolicyinrespectofanyoneormoreclaimsshallnotexceedinallinanyoneperiodofinsurancethelargestsuminsuredunderanyoneoftheitemscontainedintheScheduleofCompensationoraddedtothispolicybyendorsement.
Definitions
Inthispolicy-
1.“BODILYINJURY”meansbodilyinjurywhich
(a)issustainedbytheAssuredduringtheperiodofthispolicy.
(b)iscausedbyanaccident,and
(c)solelyandindependentlyofanyothercauseexceptillnessdirectlyresultingfrom,ormedicalorsurgicaltreatmentrenderednecessarybysuchinjury,occasionsthedeathordisablementoftheAssuredwithintwelvecalendarmonthsfromthedateoftheaccidentbywhichsuchinjuryiscaused.
2.“ACCIDENT”includesexposureresultingfromamishaptoanaircrafttoorvesselinwhichAssuredistravelling.
3.“ILLNESS”meansillnessoftheAssuredwhichdeclaresitselfduringtheperiodofthePolicyandoccasionsthetotaldisablementoftheAssuredwithintwelvecalendarmonthsafterdeclaringitself.
4.“TOTALDISABLEMENT”meansdisablements,whichentirelypreventstheAssuredfromattendingtohisbusinessoroccupation(ofanyandeverykind)ofifhehasnobusinessoroccupationfromattendingtohisusualduties.
5.“PARTIALDISABLEMENT”meansdisablementswhichpreventstheAssuredfromattendingtoasubstantialpartofhisusualduties,businessoroccupationifhehasnobusinessoroccupationfromattendingtohisusualduties.
6.“PERMANENT”meanslastingtwelvecalendarmonthsandattheexpiryofthatperiodbeingbeyondhopeofimprovement.
7.“LOSSOFLIMB”meanslossofphysicalseparationofahandatorabovethewristorofafootatorabovetheankle.
8.“AIRTRAVEL”meansbeinginoronorboardingaconventionalaircraftforthepurposeofflyingthereinoralightingtherefromfollowingaflight.
EXCEPTIONS
ThecompanyshallnotbeliableunderthisPolicyfordeathordisablementdirectlyorindirectlycausedbyarisingorresultingfromortraceableto
1.consequentonwar,invasionorcivilwar.
2.DirectlyorindirectlyconsequentontheAssuredengagingairtravel,exceptasapassengerinanypropertylicensedconventionalaircraftbeingoperatedbyalicensedairlineinaccordancewithpublishedSchedulesofflights,ortimetablesorinaproperlylicensedmulti-engineaircraftbeingoperatedbyanylicensedAirLine.
3.Resultingfromsuicideorattemptedsuicideorintentionalselfinjuryorvenerealdiseaseorfromdeliberateexposuretoexceptionaldanger(exceptinanattempttosavehumanlife),orfromtheAssuredsowncriminalactorsustainedwhilst,theAssuredisinstateofinsanity.
4.Childbirthorpregnancyinthecaseofwomen
5.Biggameorotherformsofhunting,polo,steeplechasing,motorcycling(whetherasdriverorpassenger),mountaineering,wintersports(onsnoworice),racingofanykind(exceptathletics)ortheuseofacircularsaworwoodworkingmachinery.
CONDITIONS
1.ThisPolicyandtheSchedulesshallbereadtogetherasonecontractandanywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthePolicyortheScheduleshallbearsuchspecificmeaningwhereveritmayappear.
2.IntheeventofanyaccidentordisablementbydiseaseherebyinsuredagainsthappeningtoanInsuredpersonnoticethereofinwritingshallbegiventotheCompanywithinfourteendaysoftheoccurrenceoftheaccidentorthecommencementofthedisease.TheInsuredorhislegalpersonalrepresentativesshall,athisortheirownexpense,forwardtotheCompany,withinthespaceofsevendaysafterthedemand,awrittenreportfromamedicalattendant,whoshallbedulyqualifiedandregisteredmedicalpractitioner,approvedbytheCompany,ofthefactsofthecaseandthenatureandextentoftheinjuriesreceivedorofthedisease,andgenerallyallsuchinformationinsupportoftheclaimastheCompanyshallreasonablyrequireandincaseoflosssightoramputationoccurringmorethanfourteendaysaftertheaccident,noticeasaforesaidmustbegivenwithinonecalendarmonthofsuchlossofsightoramputation.Inthecaseofclaimofdeathloss,orpermanentdisablementunlessotherwisestatedallsumspayablehereundershallbepayablewithinonecalendarmonthafter.SuchpersonalinjuryandthecauseandresultthereofshallhavebeenprovedtothesatisfactionoftheCompanyandsuchinformationasisrequiredbytheConditionsofthisPolicyshallhavebeenfurnished,andinthecaseofclaimfortemporarydisablement,onlyupontheterminationofdisablement.NosumpayableunderthisPolicyshallcarryinterest,andtheCompanyshallceasetobeliableforanysuchsumunlessclaimedwithinoneyearafterithasbecomedue.
3.IfrequiredbytheCompany,theMedical,SurgicalorotherAgentoftheCompanyshallincaseofanyaccidenttoanInsuredoranydisease,beadmittedatallreasonabletimetoseeandexaminethenatureoftheinjurysustainedbytheInsuredandofthediseasewhilsttheInsuredPersonissufferingfromtheeffectsofthesame.
4.TheInsuredshall,ontenderinganypremiumfortherenewalofthispolicygivenoticeinwritingtotheCompanyofanydisease,physicaldefectorinfirmitywithwhichanInsuredpersonhasbecomeaffectedsincethepaymentofthenextprecedingpremium.
5.ifanInsuredpersonshallchangehisoccupationfororengageinonemorehazardousthanthatstatedintheschedule,theInsuredshallgiveimmediatenoticetotheCompanyandpaysuchextrapremiumasmayberequiredinrespectofsuchgreaterriskiftheCompanyshallelecttoacceptthesamewhichtheyshallbeundernoobligationtodo.
6.AnycircumstancesinrelationtotheconditioncomingtotheknowledgeofanylocalagentorManager,shallnotbeofnoticetoorbeheldtobind,orprejudiciallyaffecttheCompany,notwithstandingthesubsequentacceptanceofanypremium,norwillthecompanybeboundbyanyreceipt,exceptitbeonitsprintedofficeformforthetimebeing.
7.TheCompanymayatanytime,notwithstandingtheprovisionforCumulativeBonus,bynoticeinwritingdeterminethispolicy.ProvidedthattheCompanyshallinthatcasereturntotheInsuredtheThenlastpremiumpaidbyhimlessapro-ratapartthereoffortheportionofthecurrentinsuranceperiodwhichshallhaveexpired.SuchnoticeshallbedeemedsufficientlygivenifpostedandaddressedtotheInsuredatthewithinmentionedaddress,oratanylateraddress,ofwhichnoticeinwritingshallhavebeengiventothecompanyandshallbedeemedtohavebeenreceivedbyhimatthetimewhenthesamewouldbedeliveredintheordinarycourseofpost.
8.ThispolicyisnotrenewablebeyondtheperiodofinsuranceendingintheyearstatedintheScheduleexceptonsuchtermsandcondition,asmaybeagreeduponbetweentheCompanyandtheInsured.
9.TheCompanyshallnotbeboundtonoticeorbeaffectedbyanynoticeoftheanytrust,chargeoralienationrelatingtohispolicy,butthereceiptoftheInsured,orhislegalpersonalrepresentativesshallinanycaseeffectuallydischargeoftheCompany.
10.AllnoticesrequiredtobegivenbytheInsuredshallbegiventotheCompanyattheHeadOffice,atoneofitsBranchOfficeoratOfficesofitsAuthorizedAgents.
11.Ifanydifferenceshallariseastotheamounttobepaidunderthispolicy(liabilitybeingotherwiseadmitted)suchdifferenceshallbereferredtoanArbitratortobeappointedbythepartiesinaccordancewiththestatutoryprovisionsinthatbehalfforthetimebeinginforce.WhereanydifferenceisbythisconditiontobereferredtoarbitrationbemakingforanAwardshallbeconditionprecedenttoanyrightofactionagainsttheCompany.ThispolicyandtheInsuranceherebymadeshallbesubjecttotheseveralconditions,restrictions,stipulationsandnoticesendorsedh
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