Self-Employed Treatment Policy - The Co-operative Insurance

Exclusions
We will not pay compensation for Accidental Bodily Injury directly or
indirectly caused by
1. (a) the Insured Person suffering from any disability due to a
gradually operating cause
(b)
(c)
(d)
(e)
(f)
(g)
suicide or attempted suicide
deliberate exposure to danger (except in an attempt to save
human life)
the Insured Person’s own criminal act
the Insured Person being in a state of insanity
flying or other aerial activities (except while travelling as a
passenger by a recognised airline)
pregnancy or childbirth
2. an Insured Person practising for or taking part in
(a)
(b)
(c)
(d)
(e)
(f)
mountaineering or rock climbing requiring use of ropes
or guides
pot-holing
winter sports
any kind of racing (except foot races)
speed or time trials
naval, military or air force service or operations
3. the effects of alcohol or drugs (other than drugs prescribed by
a doctor)
4. any treatment for drug addiction.
Clauses
1. Amounts Payable
We will pay
(a)
(b)
the compensation stated in The Schedule with weekly benefit
being paid at four weekly intervals
compensation under contingencies 7 and/or 8 for a maximum
of 2 years from the date that the disablement started
but where We pay compensation under any of contingencies
1 to 6,
(a)
(b)
any weekly benefit being paid for the same injury will stop
this insurance will end for the Insured Person.
maximum accumulation limit, the benefit payable to each Insured
Person shall be proportionally reduced until the total of all benefits
does not exceed the maximum accumulation limit.
2. Disappearance
If an Insured Person has been missing for a period of 180
consecutive days
and
there is sufficient evidence to support the conclusion that death
has been caused by Accidental Bodily Injury, that person will be
presumed to have died.
However, You will repay any compensation if the Insured Person is
found alive or is found to have been alive.
3. Medical Evidence
(a)
(b)
We may, at Our expense, arrange for an Insured Person
to undergo
i
ii
a medical examination
or
a post mortem examination
You or Your legal representative will supply to Us, at Your
expense, any
i
ii
iii
certificate
information
evidence
in the format We require.
4. Medical Expenses
When We pay compensation under contingencies 7 or 8,
We will also pay up to 15% of this amount in respect of medical
expenses incurred.
Endorsements and Conditions
This Section is subject to any Endorsements or Conditions which are stated
in The Schedule as applying to this Section.
(Also refer to the Policy Endorsements and Conditions at the back of
this booklet).
If in relation to any claim You fail to fulfil any of the following conditions,
You will lose Your right to indemnity or payment for that claim.
We shall not be liable for any amount in excess of the maximum
accumulation limit of £1,000,000 in respect of any one accident.
If the aggregate amount of all benefits payable exceeds the
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