This Policy is about , If the insured Parent/ Legal Guardian shall sustain any bodily injury resulting solely and directly from Accident, caused by external violent and visible means and if such injury shall within twelve calendar months of its occurrence be the sole and direct cause of his/her Death or Permanent Total Disablement, as defined hereinafter, the Company will indemnify the Insured Student, in respect of all covered expenses to be incurred from the date of occurrence of such Accident till the expiry date of Policy or completion of the duration of covered course whichever first occurs and such indemnity shall not exceed the Sum Insured as stated in the policy schedule.