Invalidity allowance. Disability’ means that the accidental injury resulted in a permanent impairment of the insured’s bodily function or that the work capacity for the future has reduced by at least 50 per cent as a result of the injury. A distinction is made between medical and professional disability when assessing the degree of disability. If the insured is entitled to compensation for both medical and professional disability, one amount of compensation is paid for both types of disability, which will amount to the higher of the two compensation amounts as calculated under these conditions. Medical disability is the physical or mental disability that has been confirmed regardless of the insured’s profession, work conditions or leisure interests. It shall be possible for a physician to objectively determine the disability. Loss of an internal organ also counts as medical disability. Professional disability is the permanent impairment of the insured’s work capacity as a consequence of the accidental injury. Work capacity is deemed to be permanently impaired when all opportunities of work in another occupation have been tried. One precondition for the right to compensation for professional disability is that the future work capacity is considered to be permanently reduced by at least 50 per cent. However, Euro Accident always reserves the right to obtain a further independent opinion, alternatively request that the insured attends for a medical examination with a physician specially assigned by Euro Accident.
7.2.7.1 Compensation in the case of medical disability If the accidental injury or sickness has resulted in a permanent impairment of the insured’s bodily function and the condition is static yet not life-threatening, invalidity allowance will be paid, though at the earliest twelve months from the time of the accidental injury or when the sickness is deemed to have occurred. In the case of sickness medical disability is deemed to have occurred at the earliest when the sickness has transformed into a static not yet life-threatening condition. A precondition for the right to compensation is that the accidental injury or sickness within three years has resulted in any measurable disability. The definitive degree of medical disability shall be determined within three years from the time of the accidental injury. However, this determination may be postponed for as long as there is a possibility for further medical rehabilitation. The degree of disability will also be assessed ...
