Common use of Permanent Partial Disability Clause in Contracts

Permanent Partial Disability. If You meet with Accidental Bodily Injury during the Policy Period that causes You Permanent Partial Disability within 12 months, We will pay the percentage shown in the table below applied to the Sum Insured shown under the Schedule. Nature of Disability Amount Payable An arm at the shoulder joint 70% An arm above the elbow joint 65% An arm beneath the elbow joint 60% A hand at the wrist 55% A thumb 20% An index finger 10% Any other finger 5% A leg above mid-thigh 70% A leg up to mid-thigh 60% A leg up to beneath the knee 50% A leg up to mid-calf 45% A foot at the ankle 40% A large toe 5% Any other toe 2% An eye 50% Hearing of one ear 30% Hearing of both ears 75% Sense of smell 10% Sense of taste 5% i. If Your Permanent Partial Disability is not listed in the table, then We will pay a proportion of the Sum Insured shown under the Schedule. You agree that the amount payable by Us will be decided on the basis of the disability certificate issued by the concerned Government Authority which would specify the degree to which Your normal functional physical capacity has been impaired permanently. ii. If You were already suffering from Permanent Partial Disability before the date You met with Accidental Bodily Injury, then the amount We pay will be reduced by that extent. You agree that the reduction will be decided by a Doctor according to the degree of Permanent Partial Disability from which You were already suffering.

Permanent Partial Disability. If You you meet with Accidental Bodily Injury during the Policy Period that causes You your Permanent Partial Disability within 12 months, We we will pay the percentage shown in the table below applied to the Sum Insured sums assured shown under the ScheduleSchedule headings Wider and Comprehensive. Nature of Disability Amount Payable An arm at the shoulder joint 70% An arm above the elbow joint 65% An arm beneath the elbow joint 60% A hand at the wrist 55% A thumb 20% An index finger 10% Any other finger 5% A leg above mid-thigh 70% A leg up to mid-thigh 60% A leg up to beneath the knee 50% A leg up to mid-calf 45% A foot at the ankle 40% A large toe 5% Any other toe 2% An eye 50% Hearing of one ear 30% Hearing of both ears 75% Sense of smell 10% Sense of taste 5% i. a. If Your Permanent Partial Disability your permanent partial disability is not listed in the table, then We we will pay a proportion of the Sum Insured sum assured shown under the Scheduleschedule headings wider and Comprehensive. You agree that the amount payable by Us us will be decided on the basis of the disability certificate issued by the concerned Government Authority which would specify our medical advisors according to the degree to which Your your normal functional physical capacity has been impaired permanentlyimpaired. ii. b. If You you were already suffering from Permanent Partial Disability before the date You you met with Accidental Bodily Injury, then the amount We we pay will be reduced by that extent. extent You agree that the reduction will be decided by a Doctor our medical advisors according to the degree of Permanent Partial Disability from which You you were already suffering.