Common use of Permanent Partial Disability Clause in Contracts

Permanent Partial Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, we will pay the amount specified in the table below: i. Total and irrecoverable loss of sight in one eye 50% ii. Loss of one hand or one foot 50% iii. Loss of all toes - any one foot 10% iv. Loss of toe great - any one foot 5% v. Loss of toes other than great, if more than one toe lost, each 2% vi. Total and irrecoverable loss of hearing in both ears 50% vii. Total and irrecoverable loss of hearing in one ear 15% viii. Total and irrecoverable loss of speech 50% ix. Loss of four fingers and thumb of one hand 40% x. Loss of four fingers 35% xi. Loss of thumb- both phalanges 25% xii. Loss of thumb- one phalanx 10% xiii. Loss of index finger-three phalanges 10% xiv. Loss of index finger-two phalanges 8% xv. Loss of index finger-one phalanx 4% xvi. Loss of middle/ring/little finger-three phalanges 6% xvii. Loss of middle/ring/little finger-two phalanges 4% xviii. Loss of middle/ring/little finger-one phalanx 2% This Benefit will be payable provided that: a. Except in cases of physical separation, the Permanent Partial Disability continues for a period of at least 180 days from the commencement of the Permanent Partial Disability and the Disability Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that there is no reasonable medical hope of improvement; b. If the Insured Person suffers a loss that is not of the nature of Permanent Partial Disability specified in the table above, then the independent medical advisors will determine the degree and percentage of such disability; c. We will not make any payment under this Benefit if We have already paid or accepted any claims under the Policy in respect of the Insured Person and the total amount paid or payable under the claims is cumulatively greater than or equal to the Sum Insured for that Insured Person; d. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this benefit and claims already admitted under Benefit 1.1 (Accidental Death Benefit), Benefit 1.2 (Permanent Total Disability), Benefit 1.3 (Permanent Partial Disability) and Benefit 1.4 (Temporary Total Disability) in respect of the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured then Our maximum, total and cumulative liability under any and all such claims will be limited to the Common Death or Disability Sum Insured. e. On the acceptance of a claim under this Benefit, the Insured Person’s insurance cover under this Policy shall continue, subject to the availability of the Sum Insured and the Common Death or Disability Sum Insured.