A-2.1 Permanent impairment benefit, Watercraft Accident Insurance, Premium

A-2.1.1 Conditions for the benefit.

A-2.1.1.1 Permanent impairment. The insured person has suffered permanent impairment where their physical or mental capacity is permanently impaired as a result of the accident. An impairment is permanent where it is expected to last longer than three years and no change in that condition is to be expected. Example: an impairment is not permanent where the insured person suffers a bone fracture that heals without consequences within one year.

A-2.1.1.2 Onset and medical finding of permanent impairment. The permanent impairment  has set in within 18 months of the accident, and  has been established in writing by a doctor within 24 months. If either of these conditions is not met, there is no claim to a permanent impairment benefit.

A-2.1.1.3 Claiming the permanent impairment benefit. You must claim the permanent impairment with us within 24 months of the accident. Claiming means: you inform us that you assume a permanent impairment. If you miss this period, the claim to a permanent impairment benefit is excluded. Only in special exceptional cases can missing the period be excused. Example: you suffered serious head injuries in the accident and were therefore unable to contact us.

A-2.1.1.4 No permanent impairment benefit in the event of accidental death in the first year. If the insured person dies as a result of the accident within one year of the accident, there is no claim to a permanent impairment benefit. In that case we pay the death benefit (A-2.2).