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1、PIONEER INSURANCE COMPANY LIMITEDCaring for you, forever. Head Office: Symphony（5th Floor）, Plot # SE(F)9, Road # 142， South Avenue, Gulshan-1, Dhaka-1212.PERSONAL ACCIDENT POLICYWhereas the Insured named in the Schedule of this Policy by Proposal and declaration which shall be the basis of this con
2、tract and is deemed to be incorporated herein has applied to PIONEER INSURANCE CO., LTD.（hereinafter called “the Company”）for the Insurance hereinafter contained and has paid or agreed to pay the First premium stated in the Schedule as consideration for such insurance. Now this Policy withnesseth th
3、at if at any time during any period of insurance any of the insured Persons named in the Schedule shall sustain any bodily injury caused by accidental, violent, external and visible means which injury shall solely and independently of any other cause result in death or disablement as defined in the
4、Schedule of Benefits then subject to the terms Provisions, exceptions and conditions contained herein or endorsed hereon, the Company will pay to the Insured or in the event of his death to his legal personal representatives compensation as provided in the Schedule of Benefits. Provided always that1
5、. Death, loss or permanent disablement takes place within twelve calendar months of the occurrence of the injury.(a) Compensation shall not be payable under more than one of the items of the Schedule of Compensation in respect of consequences of the same accident (except for any compensation payable
6、 hereunder in respect of temporary partial disablement preceding or following temporary total disablement). (b) No weekly compensation shall become payable until the total amount hereof has been ascertained and agreed. If, nevertheless, payment be made for weekly compensation, the amount so paid sha
7、ll be deducted from any lump sum becoming claimable in respect of the same accident of illness. 2. The total sum payable under this policy in respect of any one or more claims shall not exceed in all in any one period of insurance the largest sum insured under any one of the items contained in the S
8、chedule of Compensation or added to this policy by endorsement.DefinitionsIn this policy-1. “BODILY INJURY” means bodily injury which(a) is sustained by the Assured during the period of this policy.(b) is caused by an accident, and (c) solely and independently of any other cause except illness direc
9、tly resulting from, or medical or surgical treatment rendered necessary by such injury, occasions the death or disablement of the Assured within twelve calendar months from the date of the accident by which such injury is caused.2. “ACCIDENT”includes exposure resulting from a mishap to an aircraft t
10、o or vessel in which Assured is travelling.3. “ILLNESS” means illness of the Assured which declares itself during the period of the Policy and occasions the total disablement of the Assured within twelve calendar months after declaring itself.4. “TOTAL DISABLEMENT” means disablements, which entirely
11、 prevents the Assured from attending to his business or occupation (of any and every kind) of if he has no business or occupation from attending to his usual duties.5. “PARTIAL DISABLEMENT” means disablements which prevents the Assured from attending to a substantial part of his usual duties, busine
12、ss or occupation if he has no business or occupation from attending to his usual duties.6. “PERMANENT” means lasting twelve calendar months and at the expiry of that period being beyond hope of improvement.7. “LOSS OF LIMB” means loss of physical separation of a hand at or above the wrist or of a fo
13、ot at or above the ankle.8. “AIR TRAVEL” means being in or on or boarding a conventional aircraft for the purpose of flying therein or alighting therefrom following a flight.EXCEPTIONSThe company shall not be liable under this Policy for death or disablement directly or indirectly caused by arising
14、or resulting from or traceable to 1. consequent on war, invasion or civil war.2. Directly or indirectly consequent on the Assured engaging air travel, except as a passenger in any property licensed conventional aircraft being operated by a licensed airline in accordance with published Schedules of f
15、lights, or time tables or in a properly licensed multi-engine aircraft being operated by any licensed Air Line.3. Resulting from suicide or attempted suicide or intentional self injury or venereal disease or from deliberate exposure to exceptional danger( except in an attempt to save human life), or
16、 from the Assured sown criminal act or sustained whilst, the Assured is in state of insanity.4. Child birth or pregnancy in the case of women5. Big game or other forms of hunting, polo, steeple chasing, motor cycling ( whether as driver or passenger ), mountaineering, winter sports ( on snow or ice), racing of any kind ( exc
