Common use of Permanent Total Disability Clause in Contracts

Permanent Total 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 Total 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 Sum Insured: Total and irrecoverable loss of sight in both eyes Loss by physical separation or total and permanent loss of use of both hands or both feet Loss by physical separation or total and permanent loss of use of one hand and one foot Total and irrecoverable loss of sight in one eye and loss of a Limb Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye Total and irrecoverable loss of hearing in both ears and loss of speech Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living For the purpose of this Benefit: 1. Limb means a hand at or above the wrist or a foot above the ankle; 2. Physical separation of one hand or foot means separation at or above wrist and/or at or above ankle, respectively. This Benefit will be payable provided that: a. Except in cases of physical separation, the Permanent Total Disability continues for a period of at least 180 days from the commencement of the Permanent Total 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 Injuries resulting in more than one of the Permanent Total Disabilities specified in the table above, then Our maximum, total and cumulative liability under this Benefit shall be limited to the Sum Insured specified against this Benefit in the Policy Schedule / Certificate of Insurance. c. 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. d. If We have admitted a claim for Permanent Total Disability in accordance with this Benefit, then We shall not be liable to make any payment under the Policy on the death of the Insured Person, if the Insured Person subsequently dies; e. On the acceptance of a claim under this Benefit, all cover under this Policy shall immediately and automatically cease in respect of that Insured Person after the payment of any other applicable Benefits and Cover Options.

Permanent Total Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Coverage Period and that Injury solely and directly results in the Permanent Total 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 Sum Insured: Total and irrecoverable loss of sight in both eyes Loss by physical separation or total and permanent loss of use of both hands or both feet Loss by physical separation or total and permanent loss of use of one hand and one foot Total and irrecoverable loss of sight in one eye and loss of a Limb Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye Total and irrecoverable loss of hearing in both ears and loss of speech Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living For the purpose of this Benefit: 1. Limb means a hand at or above the wrist or a foot above the ankle; 2. Physical separation of one hand or foot means separation at or above wrist and/or at or above ankle, respectively. This Benefit will be payable provided that: a. Except in cases of physical separation, the The Permanent Total Disability continues for a period of at least 180 days from the commencement of the Permanent Total 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 Injuries resulting in more than one of the Permanent Total Disabilities specified in the table above, then Our maximum, total and cumulative liability under this Benefit shall be limited to the Sum Insured specified against this Benefit in the Policy Schedule / Certificate of Insurance. c. 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 4.1.1 (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. d. If We have admitted a claim for Permanent Total Disability in accordance with this Benefit, then We shall not be liable to make any payment under the Policy on the death of the Insured Person, if the Insured Person subsequently dies; e. On the acceptance of a claim under this Benefit, all cover under this Policy shall immediately and automatically cease in respect of that Insured Person after the payment of any other applicable Benefits and Cover Options.

Permanent Total Disability. If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Coverage Period and that Injury solely and directly results in the Permanent Total 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 Sum Insured: Total and irrecoverable loss of sight in both eyes Loss by physical separation or total and permanent loss of use of both hands or both feet Loss by physical separation or total and permanent loss of use of one hand and one foot Total and irrecoverable loss of sight in one eye and loss of a Limb Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye Total and irrecoverable loss of hearing in both ears and loss of speech Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living For the purpose of this Benefit: 1. : Limb means a hand at or above the wrist or a foot above the ankle; 2. ; Physical separation of one hand or foot means separation at or above wrist and/or at or above ankle, respectively. This Benefit will be payable provided that: a. Except in cases of physical separation, the : The Permanent Total Disability continues for a period of at least 180 days from the commencement of the Permanent Total 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 Injuries resulting in more than one of the Permanent Total Disabilities specified in the table above, then Our maximum, total and cumulative liability under this Benefit shall be limited to the Sum Insured specified against this Benefit in the Policy Schedule / Certificate of Insurance. c. . 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 4.1.1 (Accidental Death Benefit), Benefit 1.2 4.1.2. (Permanent Total Disability), ) and Benefit 1.3 4.1.3. (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. d. . If We have admitted a claim for Permanent Total Disability in accordance with this Benefit, then We shall not be liable to make any payment under the Policy on the death of the Insured Person, if the Insured Person subsequently dies; e. ; On the acceptance of a claim under this Benefit, all cover under this Policy shall immediately and automatically cease in respect of that Insured Person after the payment of any other applicable Benefits and Cover Options.