Item |
Description |
% of Capital Sum Insured Payable |
|
|
|
|
|
1 |
Death |
100% |
2 |
Total paralysis of all limbs |
150% |
3 |
Total and permanent loss of all sight of |
|
|
- both eyes |
150% |
|
- one eye |
100% |
4 |
Loss of sight of one eye, except perception of light |
50% |
5 |
Total loss of lens of one eye |
50% |
6 |
Total loss of hearing |
|
|
- both ears |
75% |
|
- one ear |
20% |
7 |
Total loss of speech |
50% |
8 |
Total loss of speech & hearing (both ears) |
150% |
9 |
Total loss by physical severance or total and permanent loss of use of |
|
|
- two whole limbs or two feet / hands |
150% |
|
- one leg at hip or between hip and ankle |
100% |
|
- loss of one arm at shoulder or between shoulder and wrist |
100% |
|
- one hand or one foot |
100% |
10 |
Total loss by physical severance or total and permanent loss of use of both thumbs and all fingers |
100% |
11 |
Total loss by physical severance or total and permanent loss of use of thumb and four fingers of one hand |
50% |
12 |
Total loss by physical severance or total and permanent loss of use of four fingers of one hand |
40% |
13 |
Total loss by physical severance or total and permanent loss of use of thumb |
|
|
- both phalanges |
25% |
|
- one phalanx |
10% |
14 |
Total loss by physical severance or total and permanent loss of use of index finger |
|
|
- three phalanges |
15% |
|
- two phalanges |
10% |
|
- one phalanx |
5% |
15 |
Total loss by physical severance or total and permanent loss of use of middle finger |
|
|
- three phalanges |
10% |
|
- two phalanges |
7% |
|
- one phalanx |
3% |
16 |
Total loss by physical severance or total and permanent loss of use of ring finger |
|
|
- three phalanges |
10% |
|
- two phalanges |
7% |
|
- one phalanx |
3% |
17 |
Total loss by physical severance or total and permanent loss of use of little finger |
|
|
- three phalanges |
10% |
|
- two phalanges |
7% |
|
- one phalanx |
3% |
|
- third, fourth or fifth (additional) |
Nil |
18 |
Total loss by physical severance or total and permanent loss of use of toes |
|
|
- all toes of one foot |
18% |
|
- great, both phalanges |
6% |
|
- great, one phalanx |
3% |
|
- other than great, each |
3% |
19 |
Fractured leg or patella with established non-union of leg |
10% |
20 |
Shortening of leg by at least five centimetres |
10% |
21 |
Third Degree Burns |
|
|
(a) Head - damage as a Percentage of Total Body Surface Area |
|
|
- equals to or greater than 2% but less than 5% |
50% |
|
- equals to or greater than 5% but less than 8% |
75% |
|
- equals to or greater than 8% |
100% |
|
(b) Body - Damage as a Percentage of Total Body Surface Area |
|
|
- equals to or greater than 10% but less than 15% |
50% |
|
- equals to or greater than 15% but less than 20% |
75% |
|
- equals to or greater than 20% |
100% |
|
|
|
|
|
|
|
Where the injury is not specified the Company will adopt a percentage of disablement which in its opinion is not inconsistent with the provisions within the above Table of Benefits |