Table of Benefits
  Event Of Loss Compensation Payable % of Capital Sum Insured
A Death 100%
B Permanent Disablement  
1 Permanent Total Disablement 150%
2 Loss of or the Permanent total loss of use of two limbs 150%
3 Loss of or the Permanent total loss of use of one limb 125%
4 Permanent total Loss of Sight of both eyes 150%
5 Permanent total Loss of Sight of one eye 100%
6 Loss of or the Permanent total loss of use of one limb and Loss of Sight of one eye 150%
7 Loss of Speech and Hearing 150%
8 Permanent and incurable insanity 100%
9 Permanent total loss of Hearing  
a) Both ears 100%
b) One ear 30%
10 Loss of Speech 75%
11 Permanent total loss of the lens of one eye 75%
12 Loss of or the Permanent total loss of use of four fingers and thumb of  
a) Right Hand 85%
b) Left Hand 65%
13 Loss of or the Permanent total loss of use of four fingers of  
a) Right Hand 55%
b) Left Hand 45%
14 Loss of or the Permanent total loss of use of one thumb  
a) Both right phalanges 40%
b) One right phalanges 25%
c) Both left phalanges 30%
d) One left phalanx 20%
15 Loss of or the Permanent total loss of use of fingers  
a) Three right phalanges 20%
b) Two right phalanges 15%
c) One – right phalanx 10%
d) Three left phalanges 15%
e) Two left phalanges 10%
f) One left phalanx 5%
16 Loss of or the Permanent total loss of use of toes  
a) All-one foot 25%
b) Great toe-two phalanges 10%
c) Great toe-one phalanx 10%
d) Other than great toe, each toe 2%
17 Fractured Leg or Patella with Established Non-Union 20%
18 Shortening of leg by at least 5 cm 10%
C Second And Third Degree Burns  
Head Third Degree Burns of 20% or more of the total head surface area 100%
Second Degree Burns of 10% or more of the total head surface  area 50%
Rest of the body Rest Third Degree Burns of 40% or more of the total body surface of area 100%
Body Second Degree Burns of 40% or more of the total body surface area 50%
Third Degree Burns of 25% or more, but less than 40% of the  total body surface area 80%
Second Degree Burns of 25% or more, but less than 40% of the total body surface area 40%
Third Degree Burns of 15% or more, but less than 25% of the total body surface area 60%
Second Degree Burns of 15% or more, but less than 25% of the total body surface area 30%