Common use of Paralysis Clause in Contracts

Paralysis. The total and permanent loss of use of an entire arm and leg or two entire arms or two entire legs. The maximum amount the Insurer will pay in the aggregate under this Policy and any other policy of Personal Accident Insurance policy issued by the Insurer in the Insured’s name in respect of all losses and in respect of all Insured Persons arising out of one and the same Incident. If a claim exceeds the Maximum Incident Limit stated in the Schedule, the Insurer will pay an amount which is proportionately reduced until the total does not exceed the said limit. For the purposes of this Insurance the word “Incident” shall mean all individual losses arising out of and directly occasioned by one catastrophic event. However the duration and extent of any one Incident so defined shall be limited to only those individual losses occurring during any one period of 72 consecutive hours and within a radius of ten (10) miles. Special Conditions applying to this Section