Common use of Accidental Permanent Disablement Clause in Contracts

Accidental Permanent Disablement. If the Covered Person suffers Bodily Injury, shall within twelve (12) consecutive months result in disablement as provided in the Table of Benefit described herein, We will pay according to the respective percentage of the sum covered as stated in the Table of Benefit. TABLE OF BENEFIT Percentage of Description of Disablement sum covered (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 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% - Sight 100% - Sight, except perception of light 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a specialist’s medical report. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of the disablement, which, in its opinion, is not inconsistent with the provisions of the above Table of Benefit. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member The aggregate of all percentages payable in respect of any one Accident shall not exceed 100%. In the event a total of 100% is paid, all takaful hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A by that amount from the date of Accident until the expiry of the Certificate.

Accidental Permanent Disablement. If the Covered Person suffers Bodily Injury, shall within twelve (12) consecutive months result in disablement as provided in the Table of Benefit described herein, We will pay according to the respective percentage of the sum covered as stated in the Table of Benefit. TABLE OF BENEFIT Percentage of Description of Disablement Percentage of sum covered (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 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% - Sight 100% - Sight, except perception of light 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a specialist’s medical report. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of the disablement, which, in its opinion, is not inconsistent with the provisions of the above Table of Benefit. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member The aggregate of all percentages payable in respect of any one Accident shall not exceed 100%. In the event a total of 100% is paid, all takaful hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A by that amount from the date of Accident until the expiry of the Certificate.. BENEFIT C – Double Indemnity We will pay the amount stated in the Certificate Schedule if either one of the following events occurred:

Accidental Permanent Disablement. If the Covered Person suffers Bodily Injury, shall within twelve (12) consecutive months result in disablement as provided in the Table of Benefit described herein, We will pay according to the respective percentage of the sum covered as stated in the Table of Benefit. TABLE OF BENEFIT Percentage of Description of Disablement Percentage of sum covered (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 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% - Sight 100% - Sight, except perception of light 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a specialist’s medical report. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of the disablement, which, in its opinion, is not inconsistent with the provisions of the above Table of Benefit. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member member. The aggregate of all percentages payable in respect of any one Accident shall not exceed 100%. In the event a total of 100% is paid, all takaful hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A by that amount from the date of Accident until the expiry of the Certificate.. BENEFIT C – Double Indemnity We will pay the amount stated in the Certificate Schedule if either one of the following events occurred:

Accidental Permanent Disablement. If the Covered Person suffers You suffer a Bodily Injury, shall within twelve (12) consecutive months result in disablement as provided in the Table of Benefit described herein, We will pay according to the respective percentage of the sum covered insured as stated in the Table of Benefit. TABLE OF BENEFIT Percentage of BENEFITS Description of Disablement Percentage of sum covered insured (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 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% - Sight 100% - Sight, except perception of light 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up 2“up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a specialist’s medical report. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of the disablement, which, in its Our opinion, is not inconsistent consistent with the provisions of the above Table of BenefitBenefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all takaful coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A 2 by that amount from the date of Accident until the expiry of the CertificateCertificate of Insurance.