| 1. |
Accidental loss of
life |
1. |
100% |
| 2. |
Permanent Total
Disablement |
2. |
100% |
| 3. |
Permanent Quadriplegia |
3. |
100% |
| 4. |
Permanent total Loss
of Use of one or two limbs |
4, |
100% |
| 5. |
Permanent total loss
of sight in one of both eyes |
5. |
100% |
| 6. |
Permanent and
incurable insanity |
6. |
100% |
7.
|
Permanent total loss
of hearing in a) both ears
b) one ear |
7.a)
7.b) |
100%
20% |
| 8. |
Permanent total loss
of lens of one eye |
8. |
60% |
| 9. |
Permanent total Loss
of Use of Fingers of either hand: |
|
|
| |
a) three joints |
9. a) |
10% |
| |
b) two joints |
9. b) |
8% |
| |
c. one joint |
9. c) |
5% |
| 10. |
Permanent total Loss
of Use of one thumb of either hand: |
|
|
| |
a) both joints |
10. a) |
30% |
| |
b) one joint |
10. b) |
15%
|
| 11. |
Permanent total Loss
of Use of Toes of either foot: |
|
|
| |
a)
all one foot |
11. a) |
15% |
| |
b)
big toe, both joints |
11. b) |
5% |
| |
c)
big toe one joint |
11. c) |
3% |
| |
d)
other than big toe, each toe |
11. d) |
1% |
| 12. |
Fractured leg or
patella with established non-union |
12. |
10% |
13.
|
Permanent total Loss
of Use of four Finger s and one thumb of either hand |
13.
|
70%
|
| 14. |
Permanent total Loss
of Use of four Fingers of either hand |
14. |
40% |
| 15. |
Shortening of leg by
at least 5cm |
15. |
7.5% |
| 16. |
Burns or disfigurement
extending to more than 50% of the entire body |
16. |
20% |
17.
|
Permanent disability
not otherwise provided for under the above Capital Benefit Events
7 to 16 inclusive. Such percentage not exceeding 75% of the
Capital Benefit Sum Insured shall be determined by the opinion of
not less than three Medical Practitioners, the first shall be the
insured person's treating Medical Practitioner and the other two
shall be appointed by us. If there is disagreement between
the Medical Practitioners then the percentage to be awarded shall
be taken as the average of the three opinions. |
17.
|
up to 75%
|
18.
|
Loss of at least 50%
of all sound and natural teeth, including capped or crowned teeth.
Maximum $500 per tooth
|
18.
|
1.00% per
tooth |
