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MSA Competitors: POLICY -> Scale of Compensation

Scale of Compensation

Total Disability - Your policy will pay the sum specified in the event of the following:

  • Total loss of sight of both eyes
  • Loss of both arms or both hands
  • Complete deafness of both ears, of traumatic origin
  • Removal of the lower jaw
  • Loss of speech
  • Loss of one arm and one leg
  • Loss of one arm and one foot
  • Loss of one hand and one foot
  • Loss of one hand and one leg
  • Loss of both legs
  • Loss of both feet

 

Partial Disability - Where you have requested this to be covered the percentage of the sum insured in respect of Partial Disability shall be as follows:

Head
Loss of osseous substance of the skull in all its thickness surface of at least 6 sq. cm.
40%
Partial removal of the lower jaw, rising section in its entirety or half of the maxillary bone.
40%
Loss of one eye.
40%

Upper Limbs
Right
Left
Loss of one arm or one hand.
60%
50%
Considerable loss of osseous substance of the arm (definite and incurable lesion).
50%
40%
Total paralysis of the upper limb (incurable lesion of the nerves).
65%
55%
Shoulder anchylosis.
40%
30%
Extensive loss of osseous substance of the two bones of the forearm (definite and incurable lesion).
40%
30%
Total paralysis of the median nerve.
45%
35%
Total paralysis of the radial nerve at the torsion cradle.
40%
35%
Amputation of four fingers including thumb.
45%
40%
Amputation of four fingers excluding thumb.
40%
35%

Lower Limbs
 
Amputation of thigh (upper half).
60%
Amputation of thigh (lower half) and leg.
50%
Total loss of foot (tibio-tarsal disarticulation).
45%
Partial loss of foot (sub-ankle-bone disarticulation).
40%
Partial loss of foot (medio-tarsal disarticulation).
35%
Partial loss of foot (tarso-metatarsal disarticulation).
30%
Total paralysis of lower limb (incurable nerve lesion).
60%
Anchylosis of the hip.
40%
Loss of osseous substance from thigh or both bones of the leg (incurable condition).
60%
Loss of osseous substance of the knee-pan with considerable separation of the fragments and considerable difficulty of movements in stretching the leg.
40%
Shortening of the lower limb by at least 5 cm.
30%
Total amputation of all the toes.
25%

If you are left-handed and, the percentages set out above for the various disabilities of the right upper limb and left upper limb will be transposed.

Total disabilities by accident not mentioned above shall be compensated in accordance with their seriousness as compared with that of those mentioned, your occupation not being taken into consideration.

The partial or total "functional" disablement, not specifically dealt with in Total Disability, of a limb or an organ is treated like the partial or total loss of the said limb or organ.

The total compensation payable in respect of several disablements due to the same accident is arrived at by adding together the various sums, but shall not exceed the total sum insured under Total Disability.

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