| Item | 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 |
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 of one hand | 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 metacarpals | - first or second (additional) | 3% |
| - third, fourth or fifth (additional) | 2% | ||
| 14 | Loss of toes | - all | 15% |
| - great toe, both phalanges | 5% | ||
| - great toe, one phalanx | 5% | ||
| - each toe, other than great toe | 1% | ||
| 15 | Loss of hearing | - both ears | 75% |
| - one ear | 15% | ||
| 16 | Loss of speech | 50% | |
Table of compensation will apply for partial and permanent disability due to an accident before the age of 65. We will work out the total compensation we will pay for the loss due to the same accident by adding together the various percentages. However, this will not be more than 100% of the sum assured.
