In reliance upon the statements make in the proposal for insurance and in consideration of the premium to be paid by the insured and subject to the coverage agreements, exclusions, general conditions and endorsements to this policy, the Company agrees with the insured as follows:

COVERAGE AGREEMENTS

This insurance covers loss arising from injury due to causes external to the person of the insured by accident giving rise to results as follows:

1. Loss of life or Loss of Limbs and Sight
If injury sustained by the insured causes loss of life or loss of limbs and sight within 180 days as from the date of accident or the injury sustained by the insured necessitates continuous treatment in a hospital or clinic and loss of limbs and sight occurs because of such injury, the Company will pay compensation as follows:
1. Loss of life ................................................................................................................................... 100% of the sum insured
2. Loss of both hands or both feet or sight of both eyes ................................... 100% of the sum insured
3. Loss of one hand and one foot ...................................................................................... 100% of the sum insured
4. Loss of one hand and sight of eye ............................................................................... 100% of the sum insured
5. Loss of one hand or one foot and sight of one eye .......................................... 100% of the sum insured
6. Loss of one hand or one foot or sight of one eye ............................................. 100% of the sum insured

Loss of hand or foot means severance from the wrist or ankle joint or loss of use totally and permanently. Loss of night of eye means complete blindness, which is permanently incurable. The Company shall pay in respect of this part that item of loss with the greatest amount, one tem only.

2. Medical Expenses
If injury sustained by the insured shall require treatment by a legally licensed physician or surgeon or shall require treatment in a hospital or the employment of the licensed nurse, the Company will pay the expenses actually incurred by the insured 2 weeks from the date of accident for medical treatment, hospital charges and nursing charges but not exceeding the amount as stated in the schedule.

EXCLUSIONS

This insurance agreement shall not cover losses arising from or in consequence of causes or occurring during the time as follows.

1. Hunting in forests, engaging in vehicle racing or boat racing of all kinds, engaging in horse racing, engaging in water skiing, engaging in skating of all kinds, parachute jumping, polo playing, engaging in professional boxing.
2. Driving of riding as a passenger on the motorcycle.
3. Whilst boarding or alighting from or travelling as a passenger in an aircraft not licensed or carriage of passenger.
4. Actions of the insured whilst under the influence of alcohol of drugs of harmful nature to the extent of being incapable of controlling senses.
5. Suicide or attempt at suicide or infliction of self in jury.
6. Bacterial infections except gynogenic infections, which occur through an accidental cut or wound or tetanus or rabies.
7. Medical or surgical treatment except such as way be necessary because of injury sustained which in covered by this policy and performed within the time provided in the policy.
8. Aborting resulting from accident.
9. Whilst engaging in brawl or taking part in inciting a brawl.
10. Whilst in the course of committing a felony or whilst under arrest by authorities be cause of commission of a felony.
11. Whilst performing duties as a member of the armed forces or police or as volunteer and engaged in war of crime suppression in such event if the insured has performed such duties continuously for more than 30 days, the Company shall return a prorate premium for the period of performance of such as duties.
12. War (whether declared or otherwise), invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular rising.
13. Nuclear weapons, radiation or radioactivity from any nuclear fuel arising from the combustion of nuclear fuel and self-sustaining process of nuclear fission.

GENERAL CONDICTIONS

1. Definitions In this policy and in endorsement to this policy:
"Company" means the company issuing this policy. "Insured" means the person named as insured in policy. "Accident" means an event which happens suddenly and giving rise to result, which the insured did not intend and anticipate. "Schedule" means the schedule of this policy.
2. Completeness of contract and change in policy
This policy together with the coverage agreements and endorsements from the insurance contract. Any change of wording in the contract shall be approved by the Company and noted in the policy or in endorsements before such changes shall be valid.
3. Report of accident
possible to do so. The insured, the beneficiary or a representative of the said person, as the case may be, shall report injury to the Company without delay. In the event of death, report shall be made to the Company immediately unless it can be proven that circumstances necessary and reasonably make it impossible to report as required but report was given as soon as it was possible to do so.
4. Proof of loss
In claiming for compensation, the insured, the beneficiary or a representative of the said person, as the case may be, shall furnish evidence, as the Company require, to the Company at the expense of such person. furnish within 30 days as from the date of loss of life. In the event of claim for any other compensation, evidence shall be furnished within 2 weeks from the date of accident.
5. Medical Examination
The Company shall have the right to examine the person of the Insured while in the course of considering a claim as it may reasonable require and also to make an autopsy in the event of necessity.
6. Payment of Compensation
The Company shall pay compensation as specified in the Schedule promptly after receipt of complete and proper proof of loss.
7. Condition Precedent
The Company shall not be liable to pay compensation under this policy unless the Insured or the beneficiary shall have complied properly with the conditions of this policy.