For activities that are in the table of covered sports and activities that do not have a personal accident or personal liability cover, you will only be covered for medical expenses related to an accident or injury as a result of this activity. However, you will not be covered if this accident or injury results in the following complications, within 12 consecutive months of returning home:
- Death of an insured person aged 18 years to 65 years
- Death of a dependent child or an insured person aged under 18 years
- Death of an insured person aged 66 years or over
- Permanent Paraplegia or Quadriplegia
- Permanent Total Loss of sight of one or both eyes
- Permanent Total Loss of, or loss of use of, one or more limbs
Personal accident is a compensation for death or permanent disability and personal liability is the amount you become liable to pay if you accidentally injure someone or damage their property.