Benefits
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Table of Benefits % of Sum Insured as per Schedule
1. Death 100%
2. Total and irrecoverable loss of
i) Sight of both eyes or of the actual loss by physical separation of two entire hands or two entire feet or one entire hand and one entire foot or of such loss of sight of one eye and such loss of the one entire hand or one entire foot. 100%
ii) Use of two hands or of two feet or of one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot. 100%
3. Total and irrecoverable loss of 100%
i) the sight of one eye or the actual loss by physical separation of one entire hand or one entire foot. 50%
ii) use of a hand or a foot without physical separation 50%
For the purpose of items 2 & 3 above, this shall mean separation at or above wrist and/or of the foot at or above ankle, respectively.
4. Total and irrecoverable loss of various parts as given below:
4.1 Loss or Inability to function of (with the respective % of CSI)
a. An arm at the shoulder joint 70%
b. An arm to a point above the elbow joint 65%
c. An arm below the elbow joint 60%
d. A hand at the wrist 55%
e. A thumb 20%
f. An index finger 10%
g. Any other finger 5%
h. A leg above the center of the femur 70%
i. A leg up to a joint below the femur 65%
j. A leg to a point below the knee 50%
k. A leg up to the center of the tibia 45%
l. A foot at the ankle 40%
m. A big toe 5%
n. Some other toe 2%
o. An eye 50%
p. Hearing in one ear 30%
q. Sense of smell 10%
r. Sense of taste 5%
Any other permanent partial disablement- Percentage as assessed by a panel doctor
5. Permanent total and absolute disablement disabling the Insured / Insured Person from engaging in any employment or occupation of any description whatsoever. 100%
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