The loss of hand or foot means complete severance through the wrist or ankle joint. For the thumb or index finger, it means complete severance through or above the metacarpophalangeal joints. The loss of sight of eye means irrecoverable loss of entire sight. The loss of speech means complete and irrecoverable loss thereof. For hearing it means complete and irrecoverable loss of hearing in both ears.
All members of NGCU age 18 or over when applying, are eligible for coverage. Every member of NGCU age 18 or over who completes and returns an enrollment form will be accepted.
As long as you remain a member of NGCU and the Master Policy remains in force, your coverage will be renewed. The Group Master Policy is renewable annually.
The Master Policy does not cover any loss caused by or resulting from: suicide or self-destruction or any attempt threat; declared war or any act or war; committing or attempting a felony or illegal act; riding in an aircraft or device for aerial navigation except as a passenger for transportation only (not as a pilot or crew member) in an aircraft as airworthy by the appropriate authority of the county of its registry.