Description of loss Percentage of sum assured
1 Loss of arm 100%
2 Loss of hand 100%
3 Loss of leg 100%
4 Loss of feet 100%
5 Loss of - eye
- sight of eye
- sight of eye except perception of light
100%
100%
50%
6 Loss of four fingers and thumb of one hand 50%
7 Loss of four fingers of one hand 40%
8 Loss of thumb - both phalanges
- one phalanx
25%
10%
9 Loss of index finger - three phalanges
- two phalanges
- one phalanx
10%
8%
4%
10 Loss of middle finger - three phalanges
- two phalanges
- one phalanx
6%
4%
2%
11 Loss of ring finger - three phalanges
- two phalanges
- one phalanx
5%
4%
2%
12 Loss of little finger - three phalanges
- two phalanges
- one phalanx
4%
3%
2%
13 Loss of metacarpals - first or second (additional)
- third, fourth or fifth (additional)
3%
2%
14 Loss of toes - all
- great toe, both phalanges
- great toe, one phalanx
- each toe, other than great toe
15%
5%
5%
1%
15 Loss of hearing - both ears
- one ear
75%
15%
16 Loss of speech 50%

Table of compensation will apply for partial and permanent disability due to an accident before the age of 65. We will work out the total compensation we will pay for the loss due to the same accident by adding together the various percentages. However, this will not be more than 100% of the sum assured.

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