Table 1: Schedule of Benefits for Partial/Total Disability

Description Percentage of sum assured as shown in the schedule
Permanent total disablement 150%
Permanent unsound mind to the extent of loss of legal capacity 100%
Loss of 2 limbs or more 100%
Loss of 1 limb 100%
Loss of both eyes 100%
Loss of 1 eye, except perception of light 75%
Loss of 1 limb and 1 eye 100%
Loss of speech and hearing 100%
Loss of speech 50%
Loss of hearing in both ears 75%
Loss of hearing in 1 ear 25%
Loss of 4 fingers and 1 thumb on 1 hand 70% either Right or Left
Loss of 4 fingers on 1 hand 40% either Right or Left
Loss of 1 thumb (2 phalanges) 30% either Right or Left
Loss of 1 thumb (1 phalange) 15% either Right or Left
Loss of 1 finger (3 phalanges) 10% either Right or Left
Loss of 1 finger (2 phalanges) 7.5% either Right or Left
Loss of 1 finger (1 phalange) 5% either Right or Left
Loss of all toes on 1 foot 15%
Loss of big toe (2 phalanges) 5%
Loss of big toe (1 phalange) 3%
Loss of any one other toe 1%
Fractured leg or patella with established non-union 10%
Shortening of leg by 5cm 7.5%

Table 2: Schedule of Benefits for Third Degree Burns

Description Percentage of sum assured as shown in the schedule
Damaged as a % of total surface area of Head
Equal or greater than 8% 100%
Equal or greater than 5% and less than 8% 75%
Equal or greater than 2% and less than 5% 50%
Damaged as a % of total surface area of body
Equal or greater than 20% 100%
Equal or greater than 15% and less than 20% 75%
Equal or greater than 10% and less than 15% 50%

Table 3: Schedule of Benefits for Second Degree Burns

Description Percentage of sum assured as shown in the schedule
Damaged as a % of total surface area of Head
Equal or greater than 8% 8%
Equal or greater than 5% and less than 8% 6%
Equal or greater than 2% and less than 5% 4%
Damaged as a % of total surface area of body
Equal or greater than 20% 8%
Equal or greater than 15% and less than 20% 6%
Equal or greater than 10% and less than 15% 4%
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