Accident & Assistance Insurance > MultiNational Underwriters

MultiNational Accident Plan (MAP) Services

Are Acts of War and Terrorism Covered?

Under most circumstances, yes.  Acts of War and Terrorism involving the use or release (including the threat thereof) of any nuclear weapon or device or chemical or biological agent are not covered. 

What are the Benefits and Sums Insured?

What are the Limitations?

1. The total amount payable shall not exceed the amount corresponding to the largest single Sum Insured stated in the Certificate issued to the Member.
2. Accidental Death benefit is payable to the Beneficiary selected by the Member and indicated on the Member’s Application.  Death must occur within 365 days of the Accident, and must be directly attributable to and resulting from Bodily Injury sustained in the Accident.
3. Accidental Dismemberment benefit is payable to the Member. The Member must survive the Accident for 30 days. Loss of Sight is defined as total and irrevocable loss of sight.  Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.   
4. Permanent Total Disability benefit is payable to the Member.  Permanent Total Disability is a disablement which entirely prevents the Member from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts for 365 days beginning on the date of the Accident.  At the end of that 365 days, the Member must be beyond hope of improvement as certified by a Physician selected by the Underwriter. 

What are the Exclusions?

Losses directly or indirectly caused by, contributed to by or resulting from the following are not covered under this insurance:

1. Accidents which occur prior to your Effective Date or subsequent to your Termination Date or in any country not disclosed on your Application.
2. Sickness or disease (except bacterial infection arising from Bodily Injury) or mental infirmity or emotional or psychological trauma.
3. Accidents which occur while the Member is incarcerated for any reason, and while committing or attempting to commit a criminal act.
4. Riding or driving in any kind of race and travel or flight in any aircraft or aerial device except for air travel as a passenger riding in or boarding or disembarking from any aircraft with a current and valid standard airworthiness certificate, operated by a pilot with a current and valid pilot’s certificate with a proper rating to pilot such aircraft.
5. Taking part in Armed Forces service or operations and taking part in any form of mine or ordinance clearance or disposal.
6. Suicide, self-destruction, attempted suicide or self-destruction and intentionally self-inflicted Bodily Injury while sane or insane.
7. Any drug taken, administered or injected (except on the advice of or as directed by a licensed Physician), any alcoholic beverage consumed by the Member to the level of intoxication, and any poison, chemical compound, gas or fumes voluntarily taken, administered, absorbed or inhaled.
8. Voluntary exposure to unnecessary danger (except in attempt to save human life).
9. Injury sustained while taking part in the following activities:
   • Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision.
   • mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher.
   • Hang gliding, sky diving, parachuting or bungee jumping;
   • Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body);
   • spelunking;
   • subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters;
   • Any other sport or athletic activity which is undertaken for thrill seeking and exposes the Member to abnormal or extraordinary risk of Bodily Injury or Death.

This is a summary of benefits, limitations and exclusions.  For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters®.