Accidental Death Benefit - Drum

							                                                 KGA Life Limited

                                       ACCIDENTAL DEATH BENEFITS

                                                   Introduction
•   The definition below will be applied by KGA Life in determining if a claim constitutes a valid claim under
    the KGA Accidental Death benefits offered to our clients
•   KGA Life will continue to apply our stringent claims management in this regard as well and will insist on
    a proper SAP (South African Police) report accompanying all such claims where so appropriate, given the
    cause of accidental death

                                                        Definition
•   “To insure the insured against the event of bodily injury caused by violent, accidental, external and
    visible means which leads to the death of the insured within 6 (SIX) months of the happening of such
    event. The accident must be the sole cause, independent from any other cause, of the death of the
    insured.
•   In support of this, there must be at least the following two [2] chains of causation:
               o   The death must be caused by the bodily injury,
               o   The bodily injury must be caused by an accident.

                                                     Exclusions
•   The following exclusions will apply:
               o   Air travel except as a passenger
               o   Suicide or intentional self-injury
               o   Influence of alcohol, drugs or any related narcotics
               o   War
               o   Deliberate exposure to exceptional danger or criminal acts
               o   Professional sport
               o   Nuclear risks
               o   Acts of terrorism
               o   Pre-existing medical conditions

                                                        Benefits
•   Member : R30,000 cover
•   Spouse : R20,000 cover
•   These benefits are underwritten by Guard Risk.