The policy shall compensate the Insured if he suffers bodily injury resulting solely and directly from accident caused by outward violent and visible means which shall directly and independently of any other cause result within twelve calender months in Death, Disablement or Medical Expenses. ( The cover provided by this policy is Death of the Life Assured and accidental bodily injury by violent external and visible means) The company shall pay to the Insured or his legal personal representatives the sum or sums stated in the policy schedule as payable in respect of the named Life Assured.