Individual Personal Accident

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This policy covers bodily injury caused by accidental, violent, external and visible means to any principal, partner director or employee of the insured (hereinafter in this section referred to as such person) specified in the schedule.

The company will pay to the insured, on behalf of such person or his estate, the compensation stated in the schedule in the event of accidental bodily injury to any such person directly and independently of all other causes resulting within 12 calendar months in death or disability as specified in the schedule under the heading circumstances.