Trustees reserve the right to change premiums and benefits at any time for all insured members, including retirees.

We will pay benefits shown in the Benefit Schedule while the Insured is in his or her Home county, if the Insured obtains treatment for: 1) an Injury or Sickness within 30 days

If, during the insurance period and whilst the insured person is on a journey, the insured person sustains a bodily injury or sickness for which benefits are payable under

a/ The right to claim incapacity insurance benefits arises if the insured is incapacitated for work for over 30 consecutive calendar days. The insurance benefit is paid in

If during the Operative Time the Insured Person sustains bodily injury following an Accident which within 2 years is the sole and independent cause of the Insured Person being

Payable if the INSURED PERSON sustains BODILY INJURY which results in a claim under benefits A.1 to A.12 in respect of MEDICAL EXPENSES reasonably and necessarily incurred by

If the Insured suffers from any accidental injury which results in any disability within 180 days since the occurrence of the accidental injury, The sum insured

If, while insured under this policy, an insured person sustains an injury which results in death within 365 days following the date of the injury, we will pay the Accidental

If the Insured sustains injury and it causes loss of life, dismemberment, loss of sight or permanent disability within 180 days from the date of the accident or the injury causes