I got some confusions here with the basic coverage (even after several reading), any sifu willing to clarify the following scenarios (I will use different characters as different scenario)?

1. If Ali has met a serious accident, under what circumstances can he claim the Personal Accident (PA) sum assured?

2. Continue from above, if Ali has claimed the above PA, are the coverages of Critical Illness (CI) and death/TPD still valid?

3. If David has met a serious accident and lost 2 eyes, can he claim both PA + TPD at the same time?

4. If Michael has been diagnosed with 1 of the CI and been declared by the doctor officially, understand that he will be receiving the sum assured, then my question is, are the coverages of PA and death/TPD still valid?

These questions may be common, but I've been confused. Hope I could get a clear answer