Accidental Death: The death of the Insured occurring within 12 calendar months.

Permanent Total Disablement: Disability that renders the Insured incapable of attending to their usual business or occupation or engaging in any occupation. Provided such disability is total, continuous, permanent and occurs within 12 calendar months.

Hospital Cash: This is Hospital cash is payable once following hospitalization, excluding the first three days. The actual cost of medical, surgical, hospital and related expenses necessarily and reasonably incurred for treatment of injuries resulting from an accident.

Artificial Medical resulting from an accident: The actual cost of appliances/aides, incurred after treatment of injuries

Last Expense (Accidental Death): Payable within 48 hours following a fatal accident Age limit 18years — 65years