Specific Loss Accident Indemnity

When an injury results in any of the following losses within three hundred and sixty-five (365) days after the date of the Accident, the Insurer will pay:

For Loss of:

For Loss or Loss of Use of:

For Paralysis of:

Repatriation Benefit

In the event of Death more than 50 km from the insured home, benefits will be paid for the transportation of the body. Please see policy for maximum amounts.

Rehabilitation Benefit

If Rehabilitation is needed to recover from one of the listed injuries to return to an employment, the Insurer will pay for a program within three years of the date of loss. Please see policy for maximum amounts.

Aircraft Coverage

Insurance provided under this policy includes Injury sustained while and in consequence of: riding as a passenger, and not as a pilot, operator or member of the crew in or on any aircraft having a current and valid certificate of airworthiness and piloted by a person who then holds a current and valid pilot`s license of a rating authorizing him to pilot such aircraft.  Riding as a passenger, and not as a pilot, operator or member of the crew in or on any aircraft operated by the Canadian Armed Forces or by a similar military service of any duly constituted governmental authority of any other recognized country. boarding or alighting from or being struck by any aircraft. Notwithstanding (a) and (b) above, this policy excludes Injury sustained while and in consequence of riding in or on any aircraft owned, operated or leased by or on behalf of the Policyholder.

Beneficiary Designation

Indemnity payable in the event of the Loss of Life of an Insured Person will be payable to the beneficiary or beneficiaries designated in writing by the Insured Person. If no beneficiary is noted, benefits go to the Insured`s Estate.

Exclusions

This policy does not cover any Loss, fatal or non-fatal, caused or contributed to by:

suicide or intentionally self-inflicted Injury;

• war, whether declared or not;
• participation in a riot, insurrection, civil commotion or disturbance;
• active full-time, part-time or temporary service in the armed forces of any country;
• riding as a passenger or otherwise in any vehicle or device for aerial navigation, other than as provided in the section entitled "Aircraft Coverage";
•  medical treatment or surgery, except if the medical treatment or surgery was needed because of an Accident.

Single Coverage

Family Coverage