Liberty accident insurance ( Castellano )
5 - Scope of the insurance ( Contents )
11. Total permanent disability 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 insurer suffers from total permanent disability as a consequence of a heart attack which prevents the insured from performing any sort of work, the insurer shall indemnify the beneficiary with the sum insured established in the policy's schedule for this cover, as long as the insured's disability takes place within a maximum term of two years from the date of the heart attack.
Likewise, in order to receive the total permanent disability due to a heart attack cover it is essential that said heart attack is the first and sole cause of the insured's total permanent disability.
The payment of the sum insured for this cover nullifies and excludes any other indemnity as a consequence of the insured's permanent disability.
Total permanent disability of the insured caused by a heart attack occurring before the policy was in force, even if the death occurred while the insurance was in force, shall be excluded.
This cover shall be automatically nullified at the end of the insurance year in which the insured turns 60 years old.
12. Temporary disability due to an accident - daily indemnity
6 - Territorial scope of the cover