Description of loss Percentage of sum assured
1 Loss of a limb or an eye 50%
2 Loss of four fingers and thumb of one hand 50%
3 Loss of four fingers 40%
4 Loss of hearing - both ears 75%
5 Loss of hearing - one ears 15%
6 Loss of thumb
- both phalanges
- one phalanx

25%
10%
7
Loss of index finger
- three phalanges
- two phalanges
- one phalanx

10%
8%
4%
8 Loss of middle finger
- three phalanges
- two phalanges
- one phalanx

6%
4%
2%
9 Loss of ring finger
- three phalanges
- two phalanges
- one phalanx

5%
4%
2%
10 Loss of little finger
- three phalanges
- two phalanges
- one phalanx

4%
3%
2%
11 Loss of metacarpals
- first or second (additional)
- third, fourth or fifth (additional)

3%
2%
12 Loss of toes
- all
- great, both phalanges
- great, one phalanx
- other than great, if more than one toe lost, each

15%
5%
5%
1%
13 Loss of speech 50%

Subject to the following terms and conditions:

  1. Where a Loss is not specified in the Table of Compensation, Income will, after consulting a Registered Medical Practitioner appointed by Income, pay a percentage of the Sum Assured for the Loss which is consistent with the Table of Compensation without reference to the Insured Member’s occupation.
  2. No benefit is payable for the loss of sense of taste or smell.
  3. The total compensation payable in respect of Loss 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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