This policy will protect you in the event of a work-related death, accident, or injury. The policy provides accident-only insurance, which means that the dependents of those killed in an accident have access to some degree of payments to compensate for disability and medical care for injuries sustained in the accident. The coverage must also cover medical expenses, which are paid for by a medical practitioner or surgeon. The expenses must be incurred within 30 days of the date of the accident. The coverage may also cover burial expenditures up to a specified maximum.
1. Suicide is not covered by the policy.
2. An insured who is under the influence of drink, narcotics, or is insane.
3. Any insured who has a physical defect previous to the accident.
4. Pregnancy or childbirth.
5. Losses resulting from an act of war, riot, civil unrest, conflicts, mutiny, and so forth.
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