Item	Description of Disability	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	100%
	- Sight of eye	100%
	- Sight of eye except perception of light	50%
6	Loss of four fingers and thumb of one hand	50%
7	Loss of four fingers	40%
8	Loss of thumb  - Both phalanges	25%
	- One phalanx	10%
9	Loss of Index finger  - three phalanges	10%
	- two phalanges	8%
	- one phalanx	4%
10	Loss of Middle finger - three phalanges	6%
	- two phalanges	4%
	- one phalanx	2%
11	Loss of Ring finger  - three phalanges	5%
	- two phalanges	4%
	- one phalanx	2%
12	Loss of Little finger - three phalanges	4%
	- two phalanges	3%
	- one phalanx	2%
13	Loss of Metacarpels - first or second (additional)	3%
	- third, fourth or fifth (additional)	2%
14	Loss of Loss of Toes - All	15%
	- Great Toe, both phalanges	5%
	- Great Toe, one phalanx	5%
	- Each Toe, other than great toe	1%
15	Loss Hearing - both ears	75%
	- one ear	15%
16	Loss of Speech	50%

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contact your insurance adviser.