Liberty accident insurance ( Castellano )
5 - Scope of the insurance ( Contents )
10. Death due to a heart attack
By contracting this cover, the exclusion regarding heart attacks set forth in article 2 - General exclusions shall be revoked.
If the insured dies as a consequence of a heart attack, the insurer shall indemnify the beneficiary with the sum insured established in the policy's schedule for this cover, as long as the death of the insured takes place within a maximum term of two years from the date of the heart attack.
Likewise, in order to receive the death due to a heart attack cover it is essential that said heart attack is the first and sole cause of the insured's death.
The payment of the sum insured for this cover nullifies and excludes any other indemnity as a consequence of the insured's death.
If the insurer paid an indemnity for permanent disability due to a heart attack before the insured's death, the amount of said indemnity would be deducted from the indemnity to be paid corresponding to the death of the insured. If the amount already indemnified for permanent disability is greater than that which corresponds to death due to a heart attack the insurer shall not claim the difference.
In the event that direct cause of death of the insured was a heart attack occurring before the policy was in force, even if the death occurred while the insurance was in force, it shall be excluded.
This cover shall be automatically nullified at the end of the insurance year in which the insured turns 60 years old.
11. Total permanent disability due to a heart attack
6 - Territorial scope of the cover