Death and Permanent Disablement
Accidental Death – The Capital Sum as per Policy Schedule attached
Permanent Disablement – The following percentages of the Capital Sum as per Policy Schedule attached

The accidental death/ permanent disablement included as below:

Item Events Percentage(%) of Capital Sum
1. Loss of two limbs 100%
2. Loss of both hands, or of all fingers and both thumbs 100%
3. Total paralysis 100%
4. Total insanity 100%
5. Injuries resulting in being permanently bedridden 100%
6. Any other injury causing permanent total disablement 100%
7. Loss of arm at shoulder 100%
8. Loss of arm between shoulder and elbow 100%
9. Loss of arm at elbow 100%
10. Loss of arm between elbow and wrist 100%
11. Loss of hand at wrist 100%
12. Loss of leg
– at hip
– between knee and hip
– below knee
100%
13. Loss of eye
– whole eye
– sight of
100%
14. Loss of eye
– sight of, except perception of light
– lens of
50%
15. Loss of four fingers and thumb of one hand 50%
16. Loss of four fingers 40%
17. Loss of thumb- both phalanges 25%
18. Loss of thumb- one phalanx 10%
19. Loss of index finger
– three phalanges
10%
20. Loss of index finger
– two phalanges
8%
21. Loss of index finger
– one phalanx
4%
22. Loss of middle finger – three phalanges 6%
23. Loss of middle finger
– two phalanges
4%
24. Loss of middle finger
– one phalanx
2%
25. Loss of ring finger – three phalanges 5%
26. Loss of ring finger
– two phalanges
4%
27. Loss of ring finger
– one phalanx
2%
28. Loss of little finger
– three phalanges
4%
29. Loss of little finger
– two phalanges
3%
30. Loss of little finger
– one phalanx
2%
31. Loss of metacarpals
– first or second (additional)
3%
32. Loss of metacarpals- third, fourth or fifth (additional) 2%
33. Loss of toes – All phalanges 15%
34. Loss of toes- two great, both phalanges 5%
35. Loss of toes- great one phalanx 2%
36. Loss of toes- other than great, if more than one toe lost, each 1%
37. Loss of hearing
– both ears
75%
38. Loss of hearing- one ear 15%
39. Loss of speech 50%