ACCIDENTAL DEATH
| Benefits Covered | Sum Insured (USD) |
| Accidental Death | 15000 |
If during the Period of Insurance an Insured Person sustains
Bodily Injury which directly and independently of all other causes results in Death within twelve (12)
months of the Date of Loss, then the Company agrees to pay to the Insured Person’s Beneficiary or
legal representative the Compensation stated in the Schedule.
Specific Extensions
1) Disappearance: In the event of the disappearance of the Insured Person, following a forced landing,
stranding, sinking or wrecking of a conveyance in which such Insured Person was known to have been
travelling as an occupant, it shall be deemed after twelve (12) months, subject to all other terms and
conditions of this Policy, that such Insured Person shall have died as the result of an Accident. If at any
time, after the payment of the Accidental death benefit, it is discovered that the Insured Person is still
alive, all payments shall be reimbursed in full to the Company.
2) Exposure: Death as a direct result of exposure to the elements shall be deemed to be Bodily Injury.
Specific Conditions
If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under
that Section would be deducted from payment of a claim under this Section of the Policy.
Specific Conditions
If applicable and if payment has been made under the Permanent Disablement Section, any amounts paid under
that Section would be deducted from payment of a claim under this Section of the Policy.
EMERGENCY MEDICAL EXPENSES
| Benefits Covered | Sum Insured (USD) |
| Emergency Medical Expenses Deductible: US $100 | 50000 |
If, during the Period of Insurance, an Insured Person sustains Bodily Injury or sudden unexpected Sickness, then the Company will reimburse the Insured Person the necessary Usual and Reasonable Medical Expenses, incurred within two (2) months from the Date of Loss up to the Sum Insured stated in the Schedule. The Deductible or Franchise, if applicable,shall be deducted from the Compensation payable. Specific Conditions 1) Medical Expenses shall include and be limited to the following services: a. charges for semi private Hospital room and board, use of the operating room, emergency room, and Ambulatory Medical Centre. b. fees of Physicians. c. Medical Expenses, in or out of Hospital, including: laboratory tests, ambulance service (to or from the Hospital), prescription medicines or drugs, therapeutics, anaesthetics (including administration of anaesthetics), transfusions, artificial Limbs or eyes (excluding repair or replacement of these items), x-rays, prosthetic appliances. d. chargesfor a registerednurse (R.N). 2) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance. Specific Definitions 1) Ambulatory Medical Centre means a licensed facility providing ambulatory surgical or medical treatment, other than a Hospital, clinic or Physician’s office. 2) Usual and Reasonable Medical Expenses means fees and prices generally charged in the locality where performed for medically necessary services and supplies required for treatment of cases of comparable severity and nature, but not to include chargesthat would not have been made if no insurance existed. Specific Exclusions The Company shall not be liable to pay any benefitin respect of any InsuredPerson for: a) any Medical Expenses incurred where an Insured Journey is undertaken against the advice of a qualified licensed medical practitioner. b) any Medical Expenses incurred when the specific purpose of a journey is to receive medical treatment or advice. c) any Medical Expenses incurred within the territorial limitsthat are not stated in the Schedule. d) any medical treatment, drugs or medicines, prescribed or applied, before the Period of Insurance. e) any dental work. f) any claim caused by or arising from or due to Sickness of any and every kind
EMERGENCY DENTAL TREATMENT
| Benefits Covered | Sum Insured (USD) |
| Emergency Dental Treatment Deductible: US $100 | 250 |
If during the Period of Insurance an Insured
Person sustains Bodily Injury or Acute Pain
which directly and independently of all other
causes results in necessary emergency dental
work, then the Company agrees to pay for
such costs up to the Total Sum Insured stated
in the Schedule. The Deductible or Franchise,
if applicable, shall be deducted from the
Compensation payable.
Specific Conditions
1) If a Policyholder or Insured Person has
other insurance against a loss covered
by this Section, then the Company
shall not be liable for a greater
proportion of the loss than the
applicable benefit under this Section
bears to the total applicable benefit
under all such insurance.
Specific Definitions
1) Acute Pain means unexpected and
sudden pain that requires immediate
treatment.
Specific Exclusions
The Company shall not be liable to pay
any benefit in respect of any Insured
Person for:
1) Permanent crowns or artificial teeth.
LOSS OF BAGGAGE & PERSONAL DOCUMENTS
| Benefits Covered | Sum Insured (USD) |
| Loss of Baggage & Personal Documents Single Any One Item Limit: US $200 Deductible: US $30 | 200 |
If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects owned by or in the custody of an Insured Person are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.
Specific Conditions
1. Any valid claim involving a motor vehicle, and at all time subject to Specific Exclusion (5), will be limited to a maximum of fifty percent (50%) of the Sum Insured stated in the Schedule.
2. All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim.
3. If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy.
4. If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.
Specific Definitions
Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.
Specific Claims Provisions
In the event of a claim the Insured Person must:
1. give immediate written notice: a. to the relevant Common Carrier in the
event of loss or damage in transit; b. to the relevant police authority in the
event of loss or theft; 2. submit a copy of the relevant Common Carrier
or police report when a claim is made; 3. obtain a Common Carrier or police report
where the loss occurred; 4. in the event of loss by a Common Carrier, retain
original tickets and baggage slips and submit them when a claim is made;
5. submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and
6. for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.
For purposes of any claim hereunder:
1) a pair of skis, ski boots and accessories shall be regarded as one item;
2) bottles of perfume, aftershave, and make up shall together be regarded as one item;
3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.
Specific Exclusions
The Company shall not be liable to pay any benefit in respect of any Insured Person for:
1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons.
2) mechanical or electrical breakdown or derangement or breakage of fragile or
brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle.
3) destruction or damage due to wear and tear, moth or vermin.
4) baggage, clothing and personal effects despatched as unaccompanied baggage.
5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means.
6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools.
7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority.
8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring.
10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause.
11) a claim involving animals. 12) loss, including but not limited to loss by theft, or
damage to vehicles or other accessories. 13) for any loss that is not reported either to the
appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained.
14) baggage and/or personal effects sent under an airwaybill or bill of lading.
15) Computer equipment, cameras, musical instruments, radios and portable radio /cassette/compact disc players.
16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.
EMERGENCY TRAVEL BENEFITS
| Benefits Covered | Sum Insured (USD) |
| Emergency Travel Benefits Body Repatriation: | 7000 |
The benefits below will only be insured as part of the Policy if the Assistance Provider Services Section has been purchased and contact has been made with the Assistance Provider. Contact must be made prior to any arrangements being made for such benefits.
Body Repatriation: If during the Period of Insurance, an Insured Person dies as the result of Bodily Injury or Sickness then the Company agrees to pay the actual costs or the Total Sum Insured stated in the Schedule, whichever is the lesser, for the repatriation of the corpse of the Insured Person to his / her Country of Residence or Country of Citizenship (for Operative Times within the country of residence, the corpse will be returned to his / her home town).
Specific Conditions
1) The decision on the most appropriate means, timing and course of action belongs to the Assistance Provider only.
2) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.
Specific Exclusions
The Company shall not be liable to pay any benefit in respect of any Insured Person:
1) if an Insured Person or anyone acting on behalf of an Insured Person has not contacted the Assistance Provider, prior to any arrangements that may give rise to a claim under this Section.
2) any Medical Expenses incurred where an Insured Journey is undertaken against the advice of a qualified licensed medical practitioner
3) any Medical Expenses incurred when the specific purpose of a journey is to receive medical treatment or advice.
International Assistance Provider
| Benefits Covered | Sum Insured (USD) |
| International Assistance Provider | Included |
Email id: (For Claims)- travelclaims@hdfcergo.com
- medical.services@allianz.com
Indian helpline number- +91-120-450725
International toll-free number- +800 08250825
*For more information, refer to the policy wordings
LOSS OF CHECKED BAGGAGE
| Benefits Covered | Sum Insured (USD) |
| Loss of Checked in Baggage Deductible: Nil Single Any One Article Limit: 10% Single Any One Article Limit: 50% | 500 |
If, during the Period of Insurance, the Baggage, Personal Documents and/or Personal Effects that have been checked in on the same Common Carrier as a travelling Insured Person, are damaged or lost, then the Company will reimburse the Insured Person the cost of replacement of the articles for any amount up to the Total Sum Insured stated in the Schedule. The Deductible, if applicable, shall be deducted from the Compensation payable.
Specific Conditions
1) All claims will be subject to the Company at its own discretion assessing the value of the claim based on the age and estimated wear and tear of the article that forms the basis of the claim.
2) If applicable and if payment has been made under the Baggage Delay Section, any amounts paid would be deducted from payment of a claim under this Section of the Policy.
3) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.
Specific Definitions
Personal Documents means an Insured Person’s identity card (if applicable), ration card, voter identity card, passport, driving licence and car licence.
Specific Claims Provisions
In the event of a claim the Insured Person must:
1) give immediate written notice:
a) to the relevant Common Carrier in the event of loss or damage in transit;
b) to the relevant police authority in the event of loss or
theft;
2) submit a copy of the relevant Common Carrier or police report when a claim is made;
3) obtain a Common Carrier or police report where the loss occurred;
4) in the event of loss by a carrier, retain original tickets and baggage slips and submit them when a claim is made;
5) submit original purchase receipts in the event of claims regarding goods purchased during the Insured Journey; and
6) for claims involving jewellery, submit original or certified copies of valuation certificates issued prior to the commencement of the Period of Insurance, when a claim is made.
For purposes of any claim hereunder:
1) a pair of skis, ski boots and accessories shall be regarded as one item;
2) bottles of perfume, aftershave, and make up shall together be regarded as one item;
3) the equipment and accessories of any sport that an Insured Person takes on a trip shall be regarded as one item.
Specific Exclusions
The Company shall not be liable to pay any benefit in respect of any Insured Person for:
1) loss of cash, bank or currency notes, cheques, debit or credit cards or unauthorised use thereof, postal orders, travellers cheques, travel, tickets, securities of any kind and petrol or other coupons.
2) mechanical or electrical breakdown or derangement or breakage of fragile or brittle articles, or damage caused by such breakage unless caused by fire or by Accident to the conveying vehicle.
3) destruction or damage due to wear and tear, moth or vermin.
4) baggage, clothing and personal effects despatched as unaccompanied baggage.
5) theft from a motor vehicle unless the property is securely locked in the boot and entry to such vehicle is gained by visible, violent and forcible means.
6) loss or damage to sports equipment whilst in use, contact lenses, samples, tools.
7) for loss, destruction, or damage due to delay, confiscation or detention by order of any government or Public Authority.
8) for loss, destruction or damage directly occasioned by pressure waves, caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
9) for loss, destruction or damage caused by any process of cleaning, dyeing, repairing or restoring.
10) for loss, destruction, or damage caused by atmospheric or climatic conditions or any other gradually deteriorating cause.
11) a claim involving animals.
12) loss, including but not limited to loss by theft, or damage to vehicles or other accessories.
13) for any loss that is not reported either to the appropriate police authority or transport carrier within twenty four (24) hours of discovery or if the carrier is an airline if a property irregularity report is not obtained.
14) baggage and/or personal effects sent under an airway bill or bill of lading.
15) computer equipment, cameras, musical instruments, radios and portable radio/cassette/compact disc players.
16) contact lenses, glasses, hearing aids or bridges or dentures for a tooth or teeth.
PERMANENT DISABLEMENT
| Benefits Covered | Sum Insured (USD) |
| Permanent Disablement Table (B): | 15000 |
If during the Period of Insurance an Insured Person sustains Bodily Injury which directly and independently of all other causes results in disablement within twelve (12) months of the Date of Loss, then the Company agrees to pay to the Insured Person the Compensation stated in the specific Table of Benefits below, which is shown as the Table of Benefits in the Schedule. The Deductible or Franchise, if applicable, shall be deducted from the Compensation payable. Specific Extensions 1) Exposure: Permanent disablement as a
direct result of exposure to the elements shall be deemed to be Bodily Injury.
Specific Provisions 1) Ankylosis of the fingers (other than thumb and forefinger) and of the toes (other than the big toe) shall be limited to fifty percent (50%) of the Compensation payable for the loss of the said members. 2) Any benefit payable under item 23 of Table (C) shall be at the complete discretion of the Company taking into consideration the nature of the Bodily Injury in conjunction with the stated Compensation percentages for more specific injuries shown in the Table of Benefits. Specific Conditions 1) The insurance shall terminate for an Insured Person under this Section upon payment of a benefit equal to the Total Sum Insured. 2) The total amount payable in respect of more than one disablement due to the same Accident is arrived at by adding together the various percentages shown in the Table of Benefits, but shall not exceed the Total Sum Insured.
3) The Deductible or Franchise, if applicable, shall apply to the total amount payable, irrespective of the number of benefits an Insured Person is entitled to. 4) If an Insured Person dies as the result of the Bodily Injury any amount claimed and paid to an Insured Person under the Permanent Disablement Section will be deducted from any payment under the Accidental Death Section. Specific Definitions for all Tables of Benefits 1) Limb means the hand above the wrist joint or foot above the ankle joint. 2) Loss of Hearing means the total and irrecoverable Loss of Hearing. 3) Loss of Mastication means the total and irrecoverable loss of ability to chew food. 4) Loss of Sight means the total and irrecoverable Loss of Sight. This is considered to have occurred if the degree of sight remaining after correction is 3 / 60 or less on the Snellen Scale. 5) Loss of Speech means the total and irrecoverable Loss of Speech Specific Definitions for Table (A) 1) Loss used with reference to Limb
means the loss by physical severance of such Limb.
Specific Definitions for Table (B) 1) Loss used with reference to Limb
means the loss by physical severance or the total and permanent loss of use of such Limb.
Specific Definitions for Table (C) and (D) 1) Loss used with reference to Limb
and / or fingers, thumbs or toes, means the loss by physical severance or the total and permanent loss of use of said member.
PERSONAL LIABILITY
| Benefits Covered | Sum Insured (USD) |
| Personal Liability | 10000 |
TRIP CANCELLATION
| Benefits Covered | Sum Insured (USD) |
| Trip Cancellation Deductible: US $50 | 500 |
The Company will pay loss of travel and / or accommodation expenses up to the amount stated in the Schedule for such expenses paid in advance by an Insured Person, less the Deductible stated in the Schedule, and for which the Insured Person is legally liable and which are not recoverable from any other source, consequent upon the cancellation of travel occurring between the date of acceptance of this insurance by the Company or the date of payment of travel and / or accommodation expenses, whichever occurs last, and the date of commencement of the Insured Journey caused by:
Specific Provisions 1) Unexpected Death, Serious Injury or Serious Sickness of the Insured Person, Close Business Associate and/or an Insured Person’s Immediate Family Member.
2) An Insured Person’s place or residence or business being rendered uninhabitable ten (10) Days or less prior to the commencement of an Insured Journey as a result of Accidental damage or an Insured Person’s presence being required by the Police following burglary or attempt thereat at an Insured Person’s place of residence or business.
Specific Conditions 1) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicable benefit under all such insurance.
Specific Exclusions The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) the default of any: a) provider of transport; or b) agent of such provider; or c) agent acting for the Insured Person. 2) regulations made by any Government or Public Authority. 3) strikes or labour disputes which existed or of which advance warning had been given prior to the date on which an Insured Journey was booked. 4) delay due to the withdrawal from service temporarily or permanently of any Common Carrier on the orders or recommendations of any Port Authority or Aviation Agency or any similar body in any country. 5) any business or financial contractual obligations of the Insured Person, Close Business Associate or Insured Person’s Immediate Family. 6) a change of plans or disinclination of the Insured Person, Close Business Associate or Insured Person’s Immediate Family to travel on the Insured Journey. *For more information, refer to the policy wordings
TRIP INTERRUPTION
| Benefits Covered | Sum Insured (USD) |
| Trip Interruption Deductible: US $50 | 500 |
The Company will pay loss of travel and / or accommodation expenses up to the amount stated in the Schedule, less the Deductible, for the unused, non-refundable pre-paid expenses paid by an Insured Person, less the value of applied credit from the unused return travel ticket to return home, if prior to the date of return, the Insured Person’s Insured Journey is interrupted due to the Unexpected Death, Serious Injury or Serious Sickness of the Insured Person, Close Business Associate and/or an Insured Person’s Immediate Family.
Specific Conditions 1) If a Policyholder or Insured Person has other insurance against a loss covered by this Section, then the Company shall not be liable for a greater proportion of the loss than the applicable benefit under this Section bears to the total applicabe benefit under all such insurance. 2) If the Insured Person receives any form of compensation from the Common Carrier in the form of vouchers, tickets or coupons, then these items will be surrendered to the Company.
Specific Exclusions The Company shall not be liable to pay any benefit in respect of any Insured Person for: 1) the default of any: a) provider of transport; or b) agent of such provider; or c) agent acting for the Insured Person. 2) regulations made by any Government or Public Authority. 3) strikes or labour disputes which existed or of which advance warning had been given prior to the date on which an Insured Journey was booked. 4) delay due to the withdrawal from service temporarily or permanently of any Common Carrier on the orders or recommendations of any Port Authority or Aviation Agency or any similar body in any country. 5) any business or financial contractual obligations of the Insured Person, Close Business Associate or Insured Person’s Immediate Family Member. 6) a change of plans or disinclination of the Insured Person, Close Business Associate or Insured Person’s Immediate Family to travel on the particular Insured Journey. 6) a change of plans or disinclination of the Insured Person, Close Business Associate or Insured Person’s Immediate Family to travel on the particular Insured Journey *For more information, refer to the policy wordings (Pg 16) Aviation Agency or any similar body in any country. 5) any business or financial contractual obligations of the Insured Person, Close Business Associate or Insured Person’s Immediate Family Member. 6) a change of plans or disinclination of the Insured Person, Close Business Associate or Insured Person’s Immediate Family to travel on the particular Insured Journey. 6) a change of plans or disinclination of the Insured Person, Close Business Associate or Insured Person’s Immediate Family to travel on the particular Insured Journey *For more information, refer to the policy wordings (Pg 16)
TABLE OF BENEFITS – TABLE (A) The Disablement Compensation
Expressed as a Percentage of Total Sum Insured
1) Permanent Total Disablement
100%
2) Permanent and incurable insanity
100%
3) Permanent Total Loss of two Limbs
100%
4) Permanent Total Loss of Sight in both eyes
100%
5) Permanent Total Loss of Sight of one eye and one Limb
100%
6) Permanent Total Loss of Speech
100%
7) Complete removal of the lower jaw
100%
8) Permanent Total Loss of Mastication
100%
9) Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance
100%
10) Permanent Total Loss of Hearing in both ears
75%
11) Permanent Total Loss of one Limb
50%
12) Permanent Total Loss of Sight of one eye
50%
TABLE OF BENEFITS – TABLE (B) The Disablement Compensation
Expressed as a Percentage of Total Sum Insured
1) Permanent Total Disablement
100%
2) Permanent and incurable insanity
100%
3) Permanent Total Loss of two Limbs
100%
4) Permanent Total Loss of Sight in both eyes
100%
5) Permanent Total Loss of Sight of one eye and one Limb
100%
6) Permanent Total Loss of Speech
100%
7) Complete removal of the lower jaw
100%
8) Permanent Total Loss of Mastication
100%
9) Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance
100%
10) Permanent Total Loss of Hearing in both ears
75%
11) Permanent Total Loss of one Limb
50%
12) Permanent Total Loss of Sight of one eye
50%
TABLE OF BENEFITS – TABLE (C) The Disablement Compensation
Expressed as a Percentage of Total Sum Insured
1) Permanent Total Disablement
100%
2) Permanent and incurable insanity
100%
3) Permanent Total Loss of two Limbs
100%
4) Permanent Total Loss of Sight in both eyes
100%
5) Permanent Total Loss of Sight of one eye and one Limb
100%
6) Permanent Total Loss of Speech
100%
7) Complete removal of the lower jaw
100%
8) Permanent Total Loss of Mastication
100%
9) Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance
100%
10) Permanent Total Loss of Hearing in both ears
75%
11) Permanent Total Loss of one Limb
50%
12) Permanent Total Loss of Sight of one eye
50%
13) Permanent Total Loss of Hearing in one ear
15%
14) Permanent Total Loss of the lens in one eye
25%
15) Permanent Total Loss of use of four fingers and thumb of either hand
40%
16) Permanent Total Loss of use of four fingers of either hand
20%
17) Permanent Total Loss of use of one thumb of either hand: a) Both joints 20% b) One joint
20% 10%
18) Permanent Total Loss of one finger of either hand: a) Three joints b) Two joints c) One joint
5% 3.5% 2%
19) Permanent Total Loss of use of toes: a) All – one foot b) Big – both joints c) Big – one joint d) Other than Big – each toe
15% 5% 2% 2%
20) Established non-union of fractured leg or kneecap
10%
21) Shortening of leg by at least 5 cms.
7.5%
22) Ankylosis of the elbow, hip or knee
20%
23) Permanent disablement not otherwise provided for under Items 2-22 inclusive up to a maximum of
75%
TABLE OF BENEFITS – TABLE (D) The Disablement Compensation
Expressed as a Percentage of Total Sum Insured
1) Permanent Total Disablement
100%
2) Permanent and incurable insanity
100%
3) Permanent Total Loss of two Limbs
100%
4) Permanent Total Loss of Sight in both eyes
100%
5) Permanent Total Loss of Sight of one eye and one Limb
100%
6) Permanent Total Loss of Speech
100%
7) Complete removal of the lower jaw
100%
8) Permanent Total Loss of Mastication
100%
9) Permanent Total Loss of the central nervous system or the thorax and all abdominal organs resulting in the complete inability to engage in any job and the inability to carry out Daily Activities essential to life without full time assistance
100%
10) Permanent Total Loss of Hearing in both ears
75%
11) Permanent Total Loss of one Limb
50%
12) Permanent Total Loss of Sight of one eye
50%
13) Permanent Total Loss of Hearing in one ear
15%
14) Permanent Total Loss of the lens in one eye
25%
15) Permanent Total Loss of use of four fingers and thumb of either hand
40%
16) Permanent Total Loss of use of four fingers of either hand
20%
17) Permanent Total Loss of use of one thumb of either hand: a) Both joints 20% b) One joint
20% 10%
18) Permanent Total Loss of one finger of either hand: a) Three joints b) Two joints c) One joint
5% 3.5% 2%
19) Permanent Total Loss of use of toes: a) All – one foot b) Big – both joints c) Big – one joint d) Other than Big – each toe
15% 5% 2% 2%
20) Established non-union of fractured leg or kneecap
10%
21) Shortening of leg by at least 5 cms.
7.5%
22) Ankylosis of the elbow, hip or knee
20%