Accident Insurance

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Eligible Ages
Minimum age: 16
Maximum age: 60
(individual consideration from this age)

Eligible Occupations
All.

Cover Options
Level or CPI linked.

Term of Cover
Renewable to age 65.

Benefit Type
This is a once only lump-sum payment.

Premium Guarantee
1 year.

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Accidental Death Benefit

This benefit pays a lump-sum if death is a result of an accident. This benefit may be attractive to younger people for whom death by illness is less likely.

Built in Features

Sum Assured

Provides a lump-sum benefit of up to $500,000

Definition of Accidental Death*

Death which occurs solely from an injury caused by violent, accidental, external and visible means. Death must occur within 90 days after the date the injury occurred, and before the life assured reaches the age of 65.
*Please note that special conditions apply; please refer to the Policy Document for further details.

Exclusions

Sovereign will not pay any benefit where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date. This exclusion applies to any subsequent benefit increase made by the policy owner.
Sovereign will not pay any benefit if the life assured participates in any criminal activity or dies when under the influence of alcohol or drugs except where the drugs were prescribed by and were being used in accordance with the directions of a Registered Medical Practitioner.
Sovereign will not pay any benefit if the life assured was involved in, or was in a vehicle, which is involved in any form of a race. Sovereign will also not pay the benefit if the life assured was flying in any aerial device other than as a fare-paying passenger.

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