Coverage information for Group Personal Accident Plan

DescriptionPercentage of the sum assured
1Loss of life100%
2Loss of two or more limbs150%
3Loss of one or more limbs by amputation at or above wrists or ankles125%
4Total and irrecoverable loss of all sight in two eyes150%
5Total and irrecoverable loss of all sight in one eye100%
6Total paralysis150%
7Injuries resulting in insured being permanently bedridden150%
8Total and Permanent Disability preventing the insured from engaging in any occupation or employment for wage or profit or from giving attention to any business whatsoever150%
9Eye- loss of sight in one eye, except perception of light50%
- loss of lens in one eye50%
10Loss of four fingers and thumb of one hand50%
11Loss of four fingers40%
12Loss of speech50%
13Loss of hearing- both ears75%
- one ear15%
14Loss of thumb- both phalanges25%
- one phalanx10%
15Loss of index finger- three phalanges10%
- two phalanges8%
- one phalanx4%
16Loss of middle finger- three phalanges6%
- two phalanges4%
- one phalanx2%
17Loss of ring finger- three phalanges5%
- two phalanges4%
- one phalanx2%
18Loss of little finger- three phalanges4%
- two phalanges3%
- one phalanx2%
19Loss of metacarpals- first or second (additional)3%
- third, fourth or fifth (additional)2%
20Loss of toes- all15%
- great, both phalanges5%
- great, one phalanx2%
- other than great, if more than one toe lost, each1%


The aggregate of all percentages payable in respect of any one accident shall not exceed 150% of the sum assured.