All you
want to know about the... 
Guaranteed Lump Sum and Monthly Income Plan
|
SCHEDULE OF BENEFITS (DEATH AND PERMANENT DISABLEMENT) |
||
| COMPENSATION | (Percentage of Capital Sum Insured) | |
| A. Accidental Death (occurring within 12 calendar months of accident) |
100% |
|
| B. Permanent Disability (occurring within 12 calendar months of accident) | ||
| Loss of two limbs | 100% | |
| Loss of both hands, or of all fingers and both thumbs |
100% |
|
| Total paralysis |
100% |
|
| Total insanity |
100% |
|
| Injuries resulting in being permanently bedridden |
100% |
|
| Any other injury causing permanent total disability | 100% | |
| Loss of ARM at shoulder | 100% | |
| Loss of ARM between shoulder and elbow | 100% | |
| Loss of ARM at elbow | 100% | |
| Loss of ARM between elbow and wrist | 100% | |
| Loss of HAND at wrist | 100% | |
| Loss of LEG | - at hip | 100% |
| - between knee and hip | 100% | |
| - below knee | 100% | |
| EYE: loss of | - whole eye | 100% |
| - all sight in one eye | 100% | |
| - all sight in one eye, except perception of light | 50% | |
| - lens of one eye | 50% | |
| Loss of FOUR FINGERS AND THUMB of one hand | 50% | |
|
Loss of FOUR FINGERS |
40% | |
| Loss of THUMB | - both phalanges | 30% |
| - one phalanx | 15% | |
| Loss of INDEX FINGER | - three phalanges | 15% |
| - two phalanges | 10% | |
| - one phalanx | 5% | |
| Loss of MIDDLE FINGER | - three phalanges | 8% |
| - two phalanges | 5% | |
| - one phalanx | 3% | |
| Loss of RING FINGER | - three phalanges | 6% |
| - two phalanges | 5% | |
| - one phalanx | 3% | |
| Loss of LITTLE FINGER | - three phalanges | 5% |
| - two phalanges | 4% | |
| - one phalanx | 3% | |
| Loss of METACARPALS | - first or second (additional) | 4% |
| - third, fourth or fifth (additional) | 3% | |
| Loss of TOES | - all | 20% |
| - great, both phalanges | 8% | |
| - great, one phalanx | 3% | |
| - other than great, if loss of more than one toe on each foot | 2% | |
| Loss of HEARING | - both ears | 75% |
| - one ear | 15% | |
| Loss of SPEECH | 50% | |
| Permanent Loss of SPEECH & HEARING in both ears | 100% | |
| Shortening of ARM (must be certified by a specialist's medical report) | - more than 1" up to 2" | 2.5% |
| - more than 2" up to 4" | 5% | |
| - more than 4" | 12.5% | |
| Shortening of LEG (must be certified by a specialist's medical report) | - more than 1" up to 2" | 5% |
| - more than 2" up to 4" | 10% | |
| - more than 4" | 25% | |
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