If at any time during any period of insurance any of the insured persons named in the schedule shall sustain any bodily injury caused by accidental violent external and visible means which injury shall solely and independently of any other cause result in death or disablement as defined in the schedule of benefits then subject to the terms provisions exceptions and conditions contained herein or endorsed hereon the Company will pay to the insured or in the event of his death to his legal personal representatives compensation as provided in the schedule of benefits.

In this policy-

1. “BODILY INJURY” means bodily injury which

(a) is sustained by the Assured during the period of this policy,
(b) is caused by an accident and
(c) solely and independently of any other cause, except illness directly resulting from, or medical or surgical treatment rendered necessary by such injury occasions the death or disablement of the Assured within twelve calendar months from the date of the accident by which such injury is caused.

2. “ACCIDENT” includes exposure resulting from a mishap to an aircraft or vessel in which Assured is traveling.

3. “ILLNESS” means illness of the Assured which declares itself during the period of this policy and occasions the total disablement of the Assured within twelve calendar months after declaring itself.

4. “TOTAL DISABLEMENT” means disablement's which entirely prevents the Assured from attending to his business or occupation ( of any and every kind ) or if he has no business or occupation from attending to his usual duties.

5. “PARTIAL DISABLEMENT” means disablement which prevents the Assured from attending to a substantial part of his usual duties, business or occupation, or if he has no business or occupation from attending to a substantial part of his usual duties.

6. “PERMANENT” means lasting twelve calendar months and at the expiry of that period being beyond hope of improvement.

7. “LOSS OF LIMB” means loss of physical separation of a hand at or above the wrist or of a foot at or above the ankle.

8. “AIR TRAVEL” means being in or on or boarding a conventional aircraft for the purpose of flying therein or alighting there from following a flight.