personal accident be insurance policy …...under part b payment under part a payment under part b...
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“We’ll BE there WHEN you NEED US.”
And we live and breathe what we say. At AMA Insurance, you’re practically family. So much so that we’ll go above and beyond to provide you with the very best products that are tried and true — from auto, home, business and health insurance to travel medical, RV and life insurance. Because what’s important to us, is being there to help protect things when you need it most.
It’s just what family does.
For service call 1.800.615.5897Monday - Friday 8 am to 8 pm
Saturday 9 am to 5 pm
24-Hour Claims Service 1.888.426.2444
AMAInsurance.ca
PC
PERSONAL ACCIDENT INSURANCE POLICY
PERSONAL ACCIDENT INSURANCE
PERSONAL ACCIDENT INSURANCE POLICY
Page
INSURINGAGREEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
COVERAGE
ONTHEMOVECOVERAGEDescriptionofCoverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3PaymentTables
Level1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Level2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
ALLTHETIMECOVERAGEDescriptionofCoverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6PaymentTables
Level1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Level2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
EXCLUSIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
EXCEPTIONSAgeofApplicant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10PaymentReduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10LimitperClaimant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10LimitforMultipleClaimants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
PROVISIONSBeneficiary(ies) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10PaymentintheEventofLossofLifeoftheInsured . . . . . . . . . . . . . . . . . . . 10PaymentintheEventofLossofLifeoftheSpouseorDependent . . . . . . . . 10TermofCoverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Currency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
STATUTORYCONDITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
November1,2014
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PERSONAL ACCIDENT INSURANCE (The“Policy”)
INSURING AGREEMENT
Inconsiderationofthepremiumcharged,AlbertaMotorAssociationInsuranceCompanyagreesthatthe“Insured”namedonthePersonalAccidentInsuranceCertificateisinsuredunderthisPolicy .
Wewillpaytheamountspecifiedforaccidentallossoflifeoraccidental“injury”resultingdirectlyandindependentlyofallothercauses,whichariseoutofeventsoractivitiesdescribedundertheDescriptionofCoveragesubjecttothedefinitions,exclusions,exceptions,provisionsandstatutoryconditionsofthisPolicy .The“injuries”whicharecoveredandtheamountspayableareoutlinedinthePaymentTableinaccordancewiththeselectedcoverageoptionandcoveragelevelinthisPolicy .
ThisPolicyprovidesaccidentbenefitsthatarepayableinonesum .Forgreatercertainty,thisPolicydoesnotprovidehospitalizationordisabilityinsurance .
DEFINITIONS
InthisPolicy,thefollowingwordshavetheirmeaningssetoutbelow .
“You”or“your”meanstheperson(s)namedas“Insured”ontheInsuranceCertificateand,whilelivinginthesamehousehold,hisorher“spouse”oradultinterdependentpartnerandeligible“dependents” .
“Insured”meansthepersonnamedontheInsuranceCertificate .
“Spouse”meansthepersontowhomthe“Insured”ismarriedortheadultinterdependentpartnerofthe“Insured” .Adultinterdependentpartnermeanseitheroftwopersonswhohas:
(a) livedwiththeotherpersoninarelationshipofinterdependence
(i) foracontinuousperiodofnotlessthanthreeyears,or
(ii) ofsomepermanence,ifthereisachildoftherelationshipbybirthoradoption,or
(b) enteredintoanadultinterdependentpartneragreementwiththeotherpersoninaccordancewiththeAdultInterdependentRelationshipsAct .
“Dependent”means:
(a) yourunmarriedchildrenincludinglegallyadoptedchildrenandstepchildren,whoareovertheageof13daysandundertheageof
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19yearsofageandwhoaredependentonyouforthemainpartoftheirsupportandmaintenance;
(b) unmarriedchildrenwhohavepassedtheir19thbirthdayandareafull-timestudentatanaccreditedcollegeoruniversity .Suchchildrenwillcontinuetobeaneligibledependentuptotheir25thbirthdayorthedatetheyceasetobeafull-timestudent,whicheveroccursfirst;
(c) childrenwhohavepassedtheir19thbirthdayandbecauseofmentalorphysicalinfirmityaredependentonyouforfinancialsupport .
“We”or“us”meanstheAlbertaMotorAssociationInsuranceCompany .
“Accident”meansthesuddenandunexpectedeventoractivitythatresultedinthe“injury” .
“Beneficiary”meansapersondesignatedtoreceivethemoneypayablefromaninsurancepolicyintheeventofdeathofthe“Insured” .
“Injury”meanslossoflife,lossofuseofalimb(s),orcompleteandtotallossofsight,speechand/orhearinginthecombinationssetoutintheappropriatePaymentTable .
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COVERAGE
Coverageisprovidedforlossoflife,sight,speechand/orhearingandlossofuseoflimbsasoutlinedinthePaymentTableappropriatetoyourselectedcoverage .
Lossofsight,speechand/orhearingmeanscomplete,totalandirrecoverableloss .Lossofuseofalimbmeanstotalandirrecoverablelossofuse .
ON THE MOVE COVERAGE
Description of Coverage
IfyourInsuranceCertificateindicatesOn the Movecoverage,weprovideinsuranceasdescribedbelow:
Part A – Personal transportation or as a pedestrian
Youareinsuredwhile:
(a) Driving,ridingasapassengerin,boardingoralightingfromanyprivatepassengerautomobile,snowmobile,farmvehicle,recreationalvehicle,bicyclewhileusedforpersonaltransportation,orotherself-propelledlandvehicle,watercraftoraircraft,butNOTasanoperatorormemberofthecrewofanaircraftusedforpleasurepurposes,providedthat:
(i) anysuchself-propelledlandvehicle,bicycleorwatercraftisoperatedinstrictcompliancewithanyapplicablelicensingandregistrationlawsandnotbeingusedinanyoff-roadextremesport;and
(ii) theoperatorofanysuchself-propelledlandvehicle,bicycleorwatercraftisbylaw,authorizedandqualifiedtodrive,andnotengagedinarace,speedtestorillicitprohibitedtrade;
(b) Beingstruckwhileapedestrianbyanyself-propelledlandvehicle .
Privatepassengerautomobilemeansanautomobilenotlicensedtocarrypassengersforhirewhichisbeingusedforpleasurepurposesonly .
AND
Part B –On a scheduled airline flight or common carrier
Youareinsuredwhiletravellingasapassengeron,orboardingoralightingfroma:
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(a) Scheduledairlineflight:anyaircraftlicensedtocarrypassengersandflownbyadulylicensedpilot,butexcludinganyflightforanyotherpurposethantheprimarypurposeoftransportationoffare-payingpassengers;and
(b) Commoncarrier:anylicensedtransportationusedasacommoncarrierforpassengerservicesuchasataxi,bus,subway,train,ferry,orship;
butNOTwhileanoperatorormemberofthecrewridingin,boardingoralightingfromanysuchscheduledairlineflightorcommoncarrier .
Payment Tables
Ifaccidentaldeathoraccidental“injuries”aresufferedbyyou,your“spouse”or“dependent”,asaresultofaneventoractivitydescribedintheDescriptionofCoverage,wewillpaytheappropriateamountasindicatedinthetablesbelow .Thepaymentamountfora“dependent”isdoubledwhenthereisno“spouse”inthehousehold .
Coverage Level 1
ThefollowingtableoutlinesthepaymentamountforalossdescribedunderPartAandPartBforOntheMovecoverage,level1 .
Type of loss Insured Spouse DependentPayment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Lossoflife $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofbothhands,bothfeetorbotheyes
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonehandandonefoot
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonehandandoneeyeoronefootandoneeye
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofspeechandhearing $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonearmoroneleg $37,500 $75,000 $18,750 $37,500 $3,750 $7,500
Lossofuseofonehandoronefootoroneeye
$33,300 $66,600 $16,650 $33,300 $3,330 $6,660
Lossofspeechorhearing $25,000 $50,000 $12,500 $25,000 $2,500 $5,000
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Coverage Level 2
ThefollowingtableoutlinesthepaymentamountforalossdescribedunderPartAandPartBforOntheMovecoverage,level2 .
Type of loss Insured Spouse DependentPayment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Lossoflife $100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofbothhands,bothfeetorbotheyes
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonehandandonefoot
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonehandandoneeyeoronefootandoneeye
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofspeechandhearing $100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonearmoroneleg $75,000 $150,000 $37,500 $75,000 $7,500 $15,000
Lossofuseofonehandoronefootoroneeye
$66,600 $133,200 $33,300 $66,600 $6,660 $13,320
Lossofspeechorhearing $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
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ALL THE TIME COVERAGE
Description of Coverage
IfyourInsuranceCertificateindicatesAll the Timecoverage,weprovideinsuranceasdescribedbelow:
Part A – Any accident not excluded
Youareinsuredfor“injuries”resultingfromanyeventoractivitynotspecificallyexcludedundertheExclusionsofthisPolicy .
AND
Part B – On a scheduled airline flight or common carrier
Youareinsuredwhiletravellingasapassengeron,orboardingoralightingfroma:
(a) Scheduledairlineflight:anyaircraftlicensedtocarrypassengersandflownbyadulylicensedpilot,butexcludinganyflightforanyotherpurposethantheprimarypurposeoftransportationoffare-payingpassengers;and
(b) Commoncarrier:anylicensedtransportationusedasacommoncarrierforpassengerservicesuchasataxi,bus,subway,train,ferry,orship;
butNOTwhileanoperatorormemberofthecrewridingin,boardingoralightingfromanysuchscheduledairlineflightorcommoncarrier .
Payment Tables
Ifaccidentaldeathoraccidental“injuries”aresufferedbyyou,your“spouse”or“dependent”,asaresultofaneventoractivitydescribedintheDescriptionofCoverage,wewillpaytheappropriateamountasindicatedinthetablesbelow .Thepaymentamountfora“dependent”isdoubledwhenthereisno“spouse”inthehousehold .
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Type of loss Insured Spouse DependentPayment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Lossoflife $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofbothhands,bothfeetorbotheyes
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonehandandonefoot
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonehandandoneeyeoronefootandoneeye
$50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofspeechandhearing $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
Lossofuseofonearmoroneleg $37,500 $75,000 $18,750 $37,500 $3,750 $7,500
Lossofuseofonehandoronefootoroneeye
$33,300 $66,600 $16,650 $33,300 $3,330 $6,660
Lossofspeechorhearing $25,000 $50,000 $12,500 $25,000 $2,500 $5,000
Coverage Level 1
ThefollowingtableoutlinesthepaymentamountforalossdescribedunderPartAandPartBforAlltheTimecoverage,level1 .
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Coverage Level 2
ThefollowingtableoutlinesthepaymentamountforalossdescribedunderPartAandPartBforAlltheTimecoverage,level2 .
Type of loss Insured Spouse DependentPayment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Payment
underPartA
Payment
underPartB
Lossoflife $100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofbothhands,bothfeetorbotheyes
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonehandandonefoot
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonehandandoneeyeoronefootandoneeye
$100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofspeechandhearing $100,000 $200,000 $50,000 $100,000 $10,000 $20,000
Lossofuseofonearmoroneleg $75,000 $150,000 $37,500 $75,000 $7,500 $15,000
Lossofuseofonehandoronefootoroneeye
$66,600 $133,200 $33,300 $66,600 $6,660 $13,320
Lossofspeechorhearing $50,000 $100,000 $25,000 $50,000 $5,000 $10,000
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EXCLUSIONS
Youarenotinsuredforanylossoflifeor“injuries”partly,directlyorindirectlycausedby:
1 . suicideorattemptedsuicidewhilesaneorinsane;
2 . intentionalself-inflictedinjury;
3 . physicalormentalinfirmity;
4 . insurrectionorwar,whetherdeclaredornot,oranyrelatedact,orparticipationinanyriotorcivildisorder;
5 . terroristactivityofanykindoranyrelatedactorconsequence,includingtheexplosionofweaponsofmassdestruction,and/orthereleaseofweaponsofmassdestruction,whethertheyinvolveanexplosivesequenceornot;
Orwhile:
6 . attemptingorcommittingacriminaloffence;
7 . participatinginanymanoeuvresortrainingexercisesoftheArmedForces;
8 . theoperatorofaself-propelledlandvehicle,watercraftorbicycleorasapedestrianwhileimpairedby:
(a)anydrug,unlessadministeredinaccordancewiththeadviceofalicensedphysician;
(b)alcohol,whenthealcoholconcentrationinthebloodexceeds80milligramsofalcoholin100millilitresofblood;or
(c) anyotherillicitsubstance .
9 . operatinganyself-propelledlandvehicle,bicycle,orwatercraftunlessbylawauthorizedandqualifiedtodrive;
10 .participatinginanyraceorspeedtest .
THE FOLLOWING SECTIONS ARE APPLICABLE TO BOTH ON THE MOVE AND ALL THE TIME COVERAGE.
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EXCEPTIONS
Age of Applicant
Coverageisavailabletonewapplicantsage16to74years .
Payment Reduction
TheamountpayabletoanypersoncoveredunderthisPolicyisreducedby50%uponthe“Insured”reachingtheageof80years .
Limit per Claimant
Ifthe“Insured”,“spouse”or“dependent”sustainsmorethanoneofthe“injuries”describedinthepaymenttableastheresultofanyone“accident”,wewillpaytheamountindicatedforeach“injury”butinnoeventwillthetotalamountpayabletoeachclaimantexceedtheamountpayableforlossoflife .
Limit for Multiple Claimants
ThemaximumamountpayablebyusunderallPersonalAccidentInsurancepoliciesarisingfromanyone“accident”,regardlessofthenumberofclaims,is$30,000,000 .
PROVISIONS
Beneficiary(ies)
The“Insured”maydesignateorchangea“beneficiary(ies)”uponwrittennoticetous,subjecttothelawsoftheProvinceofAlberta .
Payment in the Event of Loss of Life of the Insured
Intheeventofthedeathofthe“Insured”,theamountpayablewillbepaidtotheperson(s)designatedas“beneficiary”bythe“Insured”andshownonourrecords .
Ifno“beneficiary”hasbeendesignated,orifthereisnosurviving“beneficiary”,thepaymentwillbepaidtotheestateofthe“Insured” .
Payment in the Event of Loss of Life of the Spouse or Dependent
Intheeventofthedeathofthe“spouse”ora“dependent”,theamountpayablewillbepaidtothe“Insured” .
Ifthe“Insured”isdeceased,thepaymentwillbepaidtotheperson(s)designatedas“beneficiary”bythe“Insured”andshownonourrecords .
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Ifno“beneficiary”hasbeendesignatedorifthereisnosurviving“beneficiary”,thepaymentwillbemadetotheestateofthe“Insured” .
Term of Coverage
ThetermofthisPolicycommencesontheeffectivedatestatedontheInsuranceCertificateandiscontinuousuntiltheexpirydatestatedontheInsuranceCertificateoruntilsuchtimethisPolicyisterminatedinaccordancewiththeStatutoryConditionssetoutbelow .WereservetherighttomodifythisPolicy .
Currency
Allpayments,premiumsorotheramountsexpressedinthisPolicyareinCanadiancurrency .
STATUTORY CONDITIONS
The Contract
Theapplication,thispolicy,anydocumentattachedtothispolicywhenissuedandanyamendmenttothecontractagreedoninwritingafterthispolicyisissuedconstitutetheentirecontract,andnoagenthasauthoritytochangethecontractorwaiveanyofitsprovisions .
Material Facts
Nostatementmadebytheinsuredorpersoninsuredatthetimeofapplicationforthecontractmaybeusedindefenceofaclaimunderortoavoidthecontractunlessitiscontainedintheapplicationoranyotherwrittenstatementsoranswersfurnishedasevidenceofinsurability .
Termination of Insurance
(1) Thecontractmaybeterminated
(a) bytheinsurergivingtotheinsured15days’noticeofterminationbyregisteredmailor5days’writtennoticeofterminationpersonallydelivered,or
(b) bytheinsuredatanytimeonrequest .
(2) Ifthecontractisterminatedbytheinsurer,
(a) theinsurermustrefundtheexcessofpremiumactuallypaidbytheinsuredovertheproratedpremiumfortheexpiredtime,butinnoeventmaytheproratedpremiumfortheexpiredtimebelessthananyminimumretainedpremiumspecifiedinthecontract,and
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(b) therefundmustaccompanythenotice .
(3) Ifthecontractisterminatedbytheinsured,theinsurermustrefundassoonaspracticabletheexcessofpremiumactuallypaidbytheinsuredovertheshortratepremiumcalculatedtothedateofreceiptofthenoticeaccordingtothetableinusebytheinsureratthetimeoftermination .
(4) The15-dayperiodreferredtoinsubparagraph(1)(a)ofthisconditionstartstorunonthedaytheregisteredletterornotificationofitisdeliveredtotheinsured’spostaladdress .
Notice and Proof of Claim
(1) Theinsuredorapersoninsured,orabeneficiaryentitledtomakeaclaim,ortheagentofanyofthem,must
(a)givewrittennoticeofclaimtotheinsurer
(i) bydeliveryofthenotice,orbysendingitbyregisteredmail,totheheadofficeorchiefagencyoftheinsurerintheprovince,or
(ii)bydeliveryofthenoticetoanauthorizedagentoftheinsurerintheprovince,
notlaterthan30daysfromthedateaclaimarisesunderthecontractonaccountofaccidentaldeathoraccidentalinjury,
(b)within90daysafterthedateaclaimarisesunderthecontractonaccountofaccidentaldeathoraccidentalinjury,furnishtotheinsurersuchproofasisreasonablypossibleinthecircumstancesof
(i) thehappeningoftheaccidentorthestartofthedisability,
(ii) thelosscausedbytheaccident,
(iii)therightoftheclaimanttoreceivepayment,
(iv)theclaimant’sage,and
(v)ifrelevant,thebeneficiary’sage,
and
(c) ifsorequiredbytheinsurer,furnishasatisfactorycertificateastothecauseornatureoftheaccidentaldeathoraccidentalinjuryforwhichclaimismadeunderthecontractand,inthecaseofdisability,itsduration .
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(2) Failuretogivenoticeofclaimorfurnishproofofclaimwithinthetimerequiredbythisconditiondoesnotinvalidatetheclaimif
(a) thenoticeorproofisgivenorfurnishedassoonasreasonablypossible,andinnoeventlaterthanoneyearafterthedateoftheaccidentorthedateaclaimarisesunderthecontractonaccountofsicknessordisability,anditisshownthatitwasnotreasonablypossibletogivethenoticeorfurnishtheproofinthetimerequiredbythiscondition,or
(b) inthecaseofthedeathofthepersoninsured,ifadeclarationofpresumptionofdeathisnecessary,thenoticeorproofisgivenorfurnishednolaterthanoneyearafterthedateacourtmakesthedeclaration .
Insurer to Furnish Forms for Proof of Claim
Theinsurermustfurnishformsforproofofclaimwithin15daysafterreceivingnoticeofclaim,butiftheclaimanthasnotreceivedtheformswithinthattimetheclaimantmaysubmithisorherproofofclaimintheformofawrittenstatementofthecauseornatureoftheaccident,sicknessordisabilitygivingrisetotheclaimandoftheextentoftheloss .
Rights of Examination
Asaconditionprecedenttorecoveryofinsurancemoneyunderthecontract,
(1) theclaimantmustgivetheinsureranopportunitytoexaminethepersonofthepersoninsuredwhenandasoftenasitreasonablyrequireswhileaclaimispending,and
(2) inthecaseofdeathofthepersoninsured,theinsurermayrequireanautopsy,subjecttoanylawoftheapplicablejurisdictionrelatingtoautopsies .
When Money Payable Other Than for Loss of Time
Allmoneypayableunderthecontract,otherthanbenefitsforlossoftime,mustbepaidbytheinsurerwithin60daysafterithasreceivedproofofclaim .
UnderwrittenbyAlberta Motor Association Insurance Company
11220109Street,NWEdmonton,ABT5G2T6Mail:Box8180,StationSouthEdmonton,ABT6H5X9
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“We’ll BE there WHEN you NEED US.”
And we live and breathe what we say. At AMA Insurance, you’re practically family. So much so that we’ll go above and beyond to provide you with the very best products that are tried and true — from auto, home, business and health insurance to travel medical, RV and life insurance. Because what’s important to us, is being there to help protect things when you need it most.
It’s just what family does.
For service call 1.800.615.5897Monday - Friday 8 am to 8 pm
Saturday 9 am to 5 pm
24-Hour Claims Service 1.888.426.2444
AMAInsurance.ca
PC
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