when as a result of an Accident happened while the insured person is travelling within the group tour during the period of insurance,the insured person suffers from an acute mental trauma after witnessing, or being subject to a sudden unexpected event such as robbery or burglary, treat,personal assault,serious bodily injury,fire,explosion,traffic accident,natural disaster or hijacking or terror attack;and in the opinion of a legally qualified medical practitioner the insured person requires trauma counselling during the period of insurance,the company will pay for the cost of counselling up to the limit as specified in the table of benefits.