Weekly or periodical disability benefits under any Workcover or Workers Compensation Act or other Statutory body having a similar effect; or under the Wrongs Act, or under any Compulsory Third Party or Motor Vehicle Act, or Transcover or Transport Accident Act or other Statutory body having similar effect; and/or
earned income from any other occupation; then Compensation payable under Part B of the Table of Events [Weekly Injury Benefit] will be reduced by the amount necessary to limit the total of all payments and/or Compensation to his or her weekly Income or the limit stated in the Table of Events, whichever is the lesser.
RECURRENCE OF TEMPORARY TOTAL DISABLEMENT [WEEKLY INJURY BENEFIT]
If an Insured Person receives Compensation under Part B of the Table of Events [Weekly Injury Benefit] and while this Policy is in force suffers a recurrence of Temporary Total Disablement from the same or related causes within 6 consecutive months of his or her return to his or her occupation on a full time basis, We will consider such Disablement to be a continuation of the prior claim period. The period of recurring Disablement will be aggregated with the prior claim period.
AGGREGATE LIMIT OF LIABILITY Our total liability for all claims under PAI which arise out of one accident or series of related accidents shall not exceed $1,000,000.
We will not be liable for any Event which happens to an Insured Person unless at the date of the Injury they are at least 18 years of age and less than 70 years of age.
TABLE OF EVENTS FOR PAI - PART A CAPITAL BENEFITS Cover under this Section is provided only if the Renter has signed the Rental Agreement accepting cover for PAI. The Compensation for each Event is payable as a percentage of the Capital Sum.
CAPITAL SUM THE EVENTS Injury as defined, resulting in: 1. Death
$75,000 THE COMPENSATION
2. Permanent Total Disablement 3. Permanent Paraplegia or Quadriplegia 4. Permanent Total Loss of sight of both eyes 5. Permanent Total Loss of sight of one eye 6. Permanent Total Loss of use of two Limbs 7. Permanent Total Loss of use of one Limb
100% 100% 100% 100% 100% 100%
Permanent Total Loss of the lens of both eyes 100%
Permanent Total Loss of the lens of one eye 50%
Permanent Total Loss of hearing in
(a) both ears
(b) one ear
Third degree burns and/or resultant disfigurement received from fire or chemical reaction which extend to cover more than 40% of the entire external body
Permanent Total Loss of use of four Fingers and Thumb of either Hand
Permanent Total Loss of use of four Fingers of either Hand
Permanent Total Loss of use of one Thumb of either Hand
Permanent Total Loss of use of Fingers of either Hand
10% 7% 5%
Permanent Total Loss of use of Toes of either Foot
all – one Foot
great – both joints
great – one joint
other than great, each Toe
Loss of at least 50% of all sound and natural teeth, including Per tooth, capped or crowned teeth, but excluding first teeth. and dentures
Shortening of leg by at least 5cm.
Permanent partial disablement not otherwise provided
15% 5% 3% 1%
1% (to $10,000 in total for all teeth) 7%
19. Such percentage of the Capital Sum Insured as We in Our absolute discretion shall determine and being in Our opinion not inconsistent with the Compensation provided under Events 3 to 18. The maximum amount payable under Event 19 is 75% of the Capital Sum Insured shown in the Table of Events
PART B WEEKLY INJURY BENEFIT
PAYABLE TO WAGE EARNERS ONLY
THE EVENTS Injury as defined, resulting in: 20. Temporary Total Disablement
20. During such Disablement up to a maximum of 52 weeks $150 per week or Income as defined, whichever is the lesser.
PART C NON MEDICARE MEDICAL
THE EVENTS Injury as defined, resulting in: 21. Non Medicare Medical
21. To an amount not exceeding $7500 for any one Injury. An Excess $50 applies to each and every claim.
EXCLUSIONS In addition to the General Exclusions for PAI and PEB, We will not pay for any Event arising directly or indirectly out of:
Any sickness or disease.
Effects of pregnancy or childbirth, not withstanding that such an Event may have been accelerated or induced by accident.
Sexually transmitted disease, or Acquired Immune Deficiency Syndrome
I.D.S.) disease or Human Immunodeficiency Virus (H.I.V.) infection.
Effects of alcohol and/or drugs not prescribed by a registered and legally qualified medical practitioner.
Medical expenses incurred more than 12 calendar months following an Injury.
Dental expenses unless they were necessarily incurred to sound and natural teeth, other than first teeth or dentures, and were caused by Injury.
SECTION 2 – PERSONAL EFFECTS INSURANCE (PEB) Cover under this Section is provided only if the Renter has signed the Rental Agreement accepting cover for PEB.
SCOPE OF COVER This Section covers accidental loss of or damage to the Insured Person’s luggage or personal effects whilst contained in the vehicle which is subject to the Rental Agreement.