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 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%

The total compensation payable in respect of several disablements due to the same accident is arrived at by adding together the various percentages but shall not exceed 100% of the sum assured.

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