No waiting period applies in the event of death due to an accident caused by commuting on public transport such as a bus, taxi and train (air travel excluded), provided that the HYPA Subscription monthly payment is up to date.

Accidental Death as Commuter: is a direct and solely a result of bodily injury caused by accidental means, while using public transport such as a bus, taxi or train, Accidental Death as Commuter benefit will be payable. Death must have taken place within 30 days of the incident and the event must be the primary cause of death.