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SMC|Enrollment Development|International Education Center|Accidental Death & Dismemberment

Accidental Death & Dismemberment

Medical Insurance 2013-2014

Accidental Death & Dismemberment (Student Only)

When, because of an Injury, a Covered Person suffers any of the following losses within 365 days from the date of the Accident, the Company will pay as follows:
For Loss of:
Benefit Amount
$ 10,000
Both hands or both feet or sight of both eyes
$ 10,000
One hand and one foot
$ 10,000
One hand or one foot and the entire sight of one eye
$ 10,000
One hand or one foot
$ 5,000
Sight of one eye
$ 5,000
"Loss" of a hand or foot means complete severance through or above the wrist or ankle joint. :Loss" of sight of an eye means the total, irrevocable loss of the entire sight in that eye. "Severance" means the complete separation and dismemberment of the part from the body. If a Covered Person suffers more than one loss as a result of the same Accident, the Company will pay only for the loss with the largest benefit.
No benefits will be payable for any loss caused by:
  1. Sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from any of these;
  2. Infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of an underlying Sickness, disease or condition;
  3. Hernia of any kind;
  4. Accidental ingestion of contaminated substance; or
  5. Medical or surgical treatment, except for a loss that results directly from a surgical operation made necessary by an Injury which is the result of an Accident and is performed within three (3) months of the Accident.

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