Society of Telecom Executives
Personal Membership Benefits

Personal Accident Insurance Scheme for STE members

The following is the complete text of the STE's Personal Accident Insurance Scheme. Note that this is shown here for information only; definitive information on the scheme is held at STE Head Office.

GROUP DISABILITY CONTRACT

In consideration of the payment of premiums as provided herein and subject to the terms, conditions and exclusions herein contained the Insured (as specified in the schedule) and CIGNA Insurance Company of Europe s.a.(the Company) agrees:

To provide insurance for all Insured Persons in the manner herein defined.

All information supplied to the Company shall be incorporated into and be the basis of this contract.

Provided that this contract shall not be operative unless countersigned by an authorised representative of the Company.

CONDITIONS

  1. Any word or expression to which specific meaning has been attached shall bear such meaning wherever it may appear.
  2. The Insured shall give immediate notice of any alteration to their business.
  3. On the happening of any Disability likely to give rise to a claim under this contract written notice shall be given to the Company as soon as possible and in any event within thirty days after the date of the Disability of an Insured Person. The Insured shall at their expense furnish to the Company such certificates, information and evidence as the Company may from time to time reasonably require in the form and of the nature prescribed by the Company. The Company shall be allowed at its own expense, upon reasonable notice to the Insured to have a medical examination of the Insured Person from time to time.
  4. If any claim under this contract shall be in any respect fraudulent or of any fraudulent means or devices shall be used by the Insured or anyone acting on the Insured's behalf or by an Insured Person or an Insured Person's legal representatives to obtain benefit under this contract the Company shall be under no liability in respect of such claim.
  5. The Company may cancel this contract by giving fourteen days written notice to the Insured at their last known address and in such event the premium for the period up to the date when the cancellation takes effect shall be calculated and the Company shall promptly return any unearned portion of the premium paid.
  6. The due observance and fulfilment of the Terms, Exclusions and Conditions of this Contract insofar as the relate to anything to be done or complied with by the Insured Person or by his or her personal representative shall be conditions precedent to the liability of the Company to make any payment under this contract.
  7. No sum payable under this Contract shall carry interest.
  8. In case any dispute or difference arises between the Company and the Insured concerning any matter arising out of this Contract, such matter shall be referred to the decision of two arbitrators (which shall be disinterested parties) one appointed by the Company and one by the Insured. He award of such arbitrators or their umpire shall be final and binding upon all parties there unto and any such reference shall be a reference to arbitration within the meaning of the Arbitration Act 1950 or of any statutory modification or re-enactment thereof presently in force.

DISABILITY

If an Insured Person is temporarily disabled from any cause from performing each and every duty of his/her occupation, the Company will pay the Disability Benefit as shown, provided that such disability shall occur from any cause happening or being contracted during the Period of Insurance provided always that the Insured person remains employed.

INSURED PERSONS

Category A:

Any Member of the insured who are actively at work on a full or part time basis. Part-time workers to receive a pro-rata Disability Benefit.

EFFECTIVE TIME

24 hours a day

DISABILITY BENEFIT

£390.00 per month (Accident and / or Sickness)

BENEFIT PERIOD

104 weeks in total.

Benefit period shall mean the total period (but not necessarily consecutive period) for which Disability Benefit is payable, this includes Recurring Sickness.

Recurring Sickness shall mean when an Insured Person returns to work after a period of disability from sickness for which he/she has received a weekly benefit but is disabled again from the same or related causes within 60 days, the subsequent period of disablement will be considered as a continuation of the previous period. The benefit will commence immediately without the application of the Deferment Period. The period for which Disability Benefit has already been paid in respect of the previous period of disability will be taken into account in agreeing the Insured Person's remaining entitlement. Periods of disability which are separated by more than 60 days will be considered as being unrelated.

Sickness shall mean sickness illness or disease contracted after the 1st November 1993 and annually thereafter for the full life of the Policy.

DEFERMENT PERIOD

6 months in respect of BT employees subject to the terms and conditions of each individual's contract of employment as advised by the insured and 28 days minimum in respect of all others.

Deferment Period shall mean that period at the commencement of a period of disability as per the terms and conditions contained in the individual employees contract of employment.

The Deferment Period shall be subject to an additional 2 month waiting period. If Disability continues Disability Benefit shall then become payable for the preceding 2 months and at monthly intervals thereafter in arrears.

WORKING DAY

Working day for the purposes of this policy shall mean each complete working day of disability. Odd days of disability will be payable at one thirtieth of the monthly rate per day.

EXCLUSIONS

The Company shall not be liable in respect of Disability directly or indirectly consequent upon:-

  1. declared or undeclared war or any act thereof
  2. active service in any of the Armed Forces of any nation
  3. the insured Person committing suicide or attempting to commit suicide or intentional self-injury
  4. the Insured Person engaging in aviation (other than as a passenger) or flying in any aircraft owned by or leased to the Insured

REINSTATEMENT

It is agreed that if an Insured Person has received Disability Benefit for the maximum Benefit Period under this contract and is still disabled and unable to return to work, Disability Benefit will cease and membership shall be ended. He/she may, however, be reinstated to full membership without further evidence of health after he has returned to full time employment for a period of 2 consecutive months.

TERMINATION

Insurance shall terminate upon:-

  1. Non-payment of premium.
  2. The Insured Person attaining normal retirement age.
  3. The Insured Person leaving the Membership of the Insured.

ENDORSEMENT NO. 1

COVER

If during any Period of Insurance an Insured Person sustains Bodily Injury which arises during the Effective Time and independently of any other cause results in the Death, Dismemberment or Disablement of the Insured Person the Company will pay the Insured the Benefit specified.

INSURED PERSONS

Category A:

Any Member of the Insured

EFFECTIVE TIME

24 hours a day

BENEFITS

  1. Death:
    £30,000 (excluding those Members who are BT employees or belong to companies who provide a Death in Service Benefit of 3 times salary or more).
  2. Dismemberment:
    (a) Loss of two or more limbs or both eyes or one of each
    (b) Loss or one limb or one eye
    £60,000 (see endorsement No. 2)
  3. Permanent Total Disablement:
    £60,000 (see endorsement No. 2)

AGGREGATE LIMIT OF LIABILITY: £300,000 per Aircraft Accident

The Company shall not be liable for any amount in excess of the above stated Aggregate Limit of Liability. If the aggregate amount of all Benefits payable under this Section exceeds the Aggregate Limit of Liability the Benefit payable to each Insured Person shall be proportionately reduced until the total of all Benefits does not exceed the Aggregate Limit of Liability.

ENDORSEMENT No. 2

DEFINITIONS

In this Endorsement:

  1. Bodily Injury shall mean injury which is caused by accidental means and which within twenty four months from the date of the accident results in the Insured Person's Death, Dismemberment or Disablement.
  2. Loss of Limb shall include loss of use of such Limb.
  3. Loss of eye shall include total and irrecoverable loss of sight.

DISAPPEARANCE

If an Insured Person disappears and after a suitable period of time it is reasonable to believe that such Insured Person has died as a result of Bodily Injury the Death Benefit shall become payable subject to a signed undertaking that if the belief is subsequently found to be wrong such Death Benefit shall be refunded to the Company.

EXPOSURE

Injury as a direct result of unavoidable exposure to the elements of the Insured Person shall be deemed to have been caused by Bodily Injury.

EXCLUSIONS

The Company shall not be liable in respect of Bodily Injury directly or indirectly consequent upon:-

  1. declared or undeclared war or any act thereof
  2. active service in any of the Armed Forces of any nation
  3. the insured Person committing suicide or attempting to commit suicide or intentionally inflicting self-injury
  4. the Insured Person engaging in aviation (other than as a passenger) or flying in any aircraft owned by or leased to the Insured

CONTINENTAL SCALE BENEFITS - PERMANENT DISABILITY

The Insurance provided by this Policy, is extended to provide a Permanent Disability Benefit for which compensation shall be payable as a percentage of the Sum Insured equivalent to the degree of Permanent Disability. The following table describes the amount of compensation payable in respect of specific disabilities.

  1. Incurable insanity - 100%
  2. Total organic paralysis - 100%
  3. Loss of both eyes - 100%
  4. Loss of one eye - 75%
  5. Permanent total loss of hearing in both ears - 40%
  6. Permanent loss of hearing in one ear - 10%

    Loss of or permanent total loss of use of:
  7. One arm or one hand - 75% (right), 50% (left)
  8. One thumb - 20% (right), 15% (left)
  9. Any finger - 10% (right), 6% (left)
  10. Permanent total loss of use of shoulder or elbow - 25% (right), 20% (left)
  11. Permanent total loss of use of wrist - 20% (right), 15% (left)
  12. One leg above or at the knee - 75%
  13. One leg below the knee or one foot - 50%
  14. One big toe - 10%
  15. Any other toe - 3%
  16. Permanent total loss of use of hip or knee or ankle - 20%
  17. Removal of lower jaw by surgical operation - 30%

Sum Insured for Permanent Disability: £60,000

CONDITIONS

ENDORSEMENT NO. 3

DEFERMENT PERIOD

In the event of a claim the Disability Benefit specified within this Policy shall be provided for a period of 6 months after the completion of the Deferment Period of 6 months, if absence continues, the Benefit specified plus an amount equal to the difference between half pay and pay at pension rate will be paid for a further 12 months.

ENDORSEMENT NO. 4

The cover provided by this Policy extends to include the following:-

PAIN AND SUFFERING BENEFIT

(including Assault and Whiplash) but limited to:

  1. major broken bones - £1,000:

    skull/spinal vertebrae
    pelvis
    humerus
    radius
    ulna
    femur
    tibia
    fibula

  2. minor broken bones - £500:

    clavicle
    ribs
    scapula
    sacrum
    coccyx
    carpals
    tarsal

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