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LUV - Permanent and Partial Disablement due to Accident

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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