TABLE OF BENEFIT

 

 

DESCRIPTION OF PERMANENT DISABLEMENT

 

 

 

 

PERCENTAGES OF THE SUM SPECIFIED AS STATED IN BENEFIT B OF THE SCHEDULE

 

 

Scale I

 

 

Scale II

 

1.     Death

2.     Total and Permanent disablement from engaging in or attending to employment or occupation of any and every kind.

3.     Total and Permanent Loss of all sight in one or both eyes

4.     Total loss by physical severance or total and permanent loss of use of

        (a)   one or both hands at wrist

        (b)   arm at shoulder

        (c)   arm between shoulder and elbow

        (d)   arm at or below elbow

        (e)   leg at hip

        (f)    leg between knee and hip

        (g)   leg at or below knee

5.     Total and Permanent Loss of

        (a)   sight in one eye except perception of light

        (b)   lens of one eye

6.     Total loss by physical severance or total and permanent loss of use of

        (a)   thumb and 4 fingers of one hand

        (b)   4 fingers of one hand

        (c)   thumb                                          -     2 phalanges

                                                                            1 phalanx

        (d)   index finger                                 -     3 phalanges

                                                                            2 phalanges

                                                                            1 phalanx

        (e)   middle finger                              -     3 phalanges

                                                                            2 phalanges

                                                                            1 phalanx

        (f)    ring finger                                    -     3 phalanges

                                                                            2 phalanges

                                                                            1 phalanx

        (g)   little finger                                   -     3 phalanges

                                                                            2 phalanges

                                                                            1 phalanx

        (h)   all toes of one foot

        (i)    great toe                                      -     2 phalanges

                                                                            1 phalanx

        (j)    any other toe

7.     Total and Permanent Loss of

        (a) hearing in both ear

        (b) hearing in one ear

8.      Total and Permanent Loss of speech

9.       Third Degree Burns  New!

(a)     Head - Damage as a Percentage of Total Body Surface Area

(i)       equals to or greater than 2% but less than 5%

(ii)     equals to or greater than 5% but less than 8%

(iii)    equals to or greater than 8%

                             

(b)     Body - Damage as a Percentage of Total Body Surface Area equals to or greater than 10% but less than 15%

100%

100%

 

100%

 

 

)

)

)

)               100%

)

)

)

)                  nil

)

 

 

 

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

nil

 

                    nil

                    nil

                    nil

 

 

 

nil

nil

nil

 

nil

100%

100%

 

100%

 

 

 

 

 

100%

 

 

 

50%

 

 

 

 

50%

40%

25%

10%

15%

10%

  5%

10%

  7%

  3%

10%

  7%

  3%

10%

  7%

  3%

18%

  6%

  3%

  3%

 

75%

20%

                 50%

 

 

 

50%

75%

100%

 

50%

 

Where the injury is not specified the Company will adopt a percentage of disablement under Scale II which in its opinion is not inconsistent with the provisions of Scale II.

 

The aggregate of all percentages payable under Permanent Disablement benefit in respect of any one accident shall not exceed 100%.