Section 7 - Personal Accident

Personal Accident

Section Definitions

1. Accidental Bodily Injury means

Bodily injury resulting solely and directly from violent external and visible means and which shall directly and independently of any other cause result within 12 (twelve) calendar months in death loss of limb or eye disability or loss of mental faculty

2. Loss of Limb means

Total loss by physical severance at or above the wrist or ankle or permanent total loss of use of an entire hand arm foot or leg

3. Loss of Sight or Hearing means

Total and irrecoverable loss of sight in one or both eyes or hearing in one or both ears

4. Permanent Disability means

The permanent inability to attend to any occupation or profession

5. Temporary Disability means

The temporary inability to attend to usual occupation or profession or where there is no gainful employment confinement to house or hospital by a qualified medical practitioner

Section Insuring Clause (what is insured)

If any member of the board of management teacher or member of staff attached to the School shown in the Schedule suffers Accidental Bodily Injury as a result of an accident in connection with a School Related Activity the Company will pay the amount shown in the Table of Benefits

Table of Benefits

Bodily injury causing					Limit

Death					€125,000
Loss of sight in one eye or loss of one limb					€ 75,000
Loss of sight in both eyes or loss of both limbs					€125,000
Loss of hearing in one ear					€ 7,500
Loss of hearing in both ears					€ 50,000
Permanent Disability					€125,000
Temporary Disability - per week					€ 500
Medical dental and optical expenses not recoverable from any other source up to a maximum of					€10,000

Provided that

Benefits shall not be payable under this Section in the event of any claim being made under the Assault Extension under Section 3 (Money) of this Policy

Members of the board of management/governors or trustees or School principals

In the event of any member of the board of management/governors or trustees or any School principal making a claim against the Insured under this Section arising from or connected with a School Related Activity the Company agrees not to raise the defence that he/she is also the Insured

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Section Exclusions (what is not insured)

This Section does not cover

1. Any accident in connection with

	(a) the demolition construction alteration repair or maintenance (other than routine maintenance) of buildings
	(b) work on the exterior of the building in excess of 50 feet from ground level
	(c) work on the interior of the building in excess of 50 feet above floor level
	(d) work involving the use of scaffolding other than mobile scaffold towers
	(e) the use of power driven woodworking machinery other than portable tools applied to the work by hand
	(f) tree felling or lopping

2. Wilful exposure to danger (except in an attempt to save human life) or any unlawful act

3. More than one benefit (other than medical expenses) to each person for any one accident

4. More than €6,500,000 for any one accident irrespective of the number of persons involved

5. No benefit is payable to any person who suffers Accidental Bodily Injury whilst engaged in

	(a) flying other than as a fare paying passenger
	(b) boxing wrestling or any form of combat
	(c) motor competitions
	(d) mountaineering or rock climbing necessitating the use of ropes or guides
	(e) parachuting or hang gliding
	(f) pot-holing or similar underground activities
	(g) speed duration tests or races of any kind other than on foot
	(h) steeplechasing show jumping polo playing or hunting
	(i) water skiing boating in any vessel designed to travel at speed in excess of 30 knots (other than as a fare paying passenger) transoceanic sailing diving with breathing apparatus
	(j) winter sports

6. Any consequences of attempted self injury or use of intoxicants or drugs (unless under medical supervision)

7. Any existing physical or mental defect or infirmity or insanity

8. Temporary Disability

	(a) of less than 7 (seven) days
	(b) benefit payable for more than 100 (one hundred) weeks

9. Any accident arising directly or indirectly out of or in connection with

	(a) any intentional dishonest fraudulent criminal or malicious act or omission
	(b) any actual or attempted conduct or contact of a sexual nature including but not limited to conduct or contact involving sexual gratification discrimination coercion harassment or pressure of any kind
whether or not such liability or claim arises from or allegedly arises from or relates in any way to or allegedly relates in any way to
		(i) the employment contracting with hiring retention placement training or supervision by the Insured or other persons
		(ii) any failure or alleged failure to research the background or suitability of or to monitor or respond to alleged complaints relating to Employees agents servants members of the Insured or any other person
		(iii) the conduct of any person or persons to whom the Insured has delegated any duties or functions

10. The first €100 of each and every claim for medical dental and optical expenses

11. any claim directly or indirectly caused by arising from in consequence of or in any way involving asbestos

But this Exclusion shall not apply to Bodily Injury or loss of or damage to material property caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such Bodily Injury or loss of or damage to material property

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Section Conditions

1. Payments

No benefit shall be paid until the total amount has been ascertained but periodic payments on account of Temporary Disability and medical expenses may be made at the discretion of the Company

2. Claims

	(a) No benefit for Temporary Disability shall be made unless certified by a qualified medical practitioner
	(b) The Company shall be entitled to seek all certificates information and evidence as required and to call for an examination by a qualified medical practitioner appointed by the Company for a non-fatal injury or a post-mortem examination if death occurs

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