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Insurance Terms

Here are some terms used in our policies. Please review your policy for specific details of your coverage.

1. Accidental bodily injury: Physical bodily injury caused by a sudden, unexpected and violent event outside of your control. This injury must not be linked with any illness, disease, or physical disorder that you may have.  It must not be contributed to by any condition which happens naturally or gets worse with time which you experience within three months of the date of the accident. Accidental bodily injury does not include post-traumatic stress.

2. Activities of daily living: Activities you carry out as part of daily living. These are moving around, dressing, eating, using the toilet and washing and bathing.

3. Convalescence: This is a term used to describe the period of recovery immediately following discharge from hospital when you are still unable to do every duty of your normal occupation and under regular care from your doctor.

4. Endorsement: An agreed amendment to your policy written especially to cover items just for you. An endorsement is also a change to your policy that we make during the term of the policy. We add an endorsement to your policy to add to or change the terms of the original contract.

5. Fracture Benefit:

  • Minor Fracture: This is a fracture of one or more of the following: fingers, thumbs, toes or nose.
  • Major Fracture: This is a fracture of one or more bones of the body (other than fingers, thumbs, toes or nose).

6. Hospital In-Patient Benefit: This is paid for each overnight stay following admission to a hospital. 

7. Indexation: Each year on the anniversary date of the issue of the policy, the premiums and benefits increase as shown in your policy document under Schedule of Benefits. If you make a claim, the amount of benefits payable will be those applicable on the date that your accident occurred or your accident began.

8. Insured: The person named in the Application Form as covered by the policy.

9. Material information: This is any important fact or information about you and particularly about  your earnings and medical history that may affect our decision to accept  you  for insurance or our decision to accept or reject any claim you make.

10. Occupation: All jobs or professions from which you receive an income or profit.

11. Partial Disability: Benefits are paid for Partial Disability when the insured is unable to perform one or more important duties of their normal business or occupation (or usual activities if currently unemployed).

12. Pre-Existing Condition: This is a sickness condition for which the insured has received advice or treatment in the 12 months preceding the date of issue of the policy or has shown clear symptoms which would have caused an ordinarily prudent person to seek advice or treatment.

13. Premium: This is the amount you pay for your policy.

14. Review date: The date on which any change to the premium, after we have reviewed your premium, will apply from.

15. Start date: The day you complete and sign your Application Form and pay your first premium.

16. Total disability: This means you cannot carry out all duties of your usual business or occupation if in paid work, or your activities of daily living, if you are not in paid work.

17. 'We', 'our', 'us': Combined Insurance Company of Europe (Combined Insurance)

18. 'You', 'your': The person named in the Application Form as covered by the policy.


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