Accidental Death Benefit - Drum
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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  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.