Permanent Disabling Injuries Clause Samples

Permanent Disabling Injuries. The disablement which has lasted for at least 12 months which in the opinion of a Qualified Medical Practitioner is beyond the hope of recovery. The Insurer will pay a percentage of the amount shown in the Schedule of Benefits. The percentage payable will be relative to the degree of disablement based on the scale of injuries which prescribes the maximum percentage payable. The scales are shown below and the scale that applies is shown in the Schedule of Benefits. 1. Loss of one or more limbs 100% 2. Loss of sight in one or both eyes 100% 3. Loss of speech 100% 4. Loss of hearing in both ears 100% 5. Loss of intellectual capacity 100% 6. Loss of hearing in one ear 25% 7. Post Traumatic Stress Disorder but subject to a maximum payment of GBP15,000 20% 8. Total loss of use of: a. the back or spine below the neck with no damage to the spinal cord b. the neck or cervical spine with no damage to the spinal cord c. a shoulder, elbow or wrist d. a hip, knee or ankle 40% 30% 25% 20% 9. Loss of or total loss of use of: a. a thumb 30% b. a forefinger 20% c. any other finger 10% d. a big toe 15% e. any other toe 5% 10. Payment for any Permanent Disabling Injury not noted above will be calculated on a medical assessment by the Insurer of the degree of disablement relative to this scale. No account shall be taken of the Insured Person’s occupation. 1. Loss of one or more limbs 100% 2. Loss of sight in one or both eyes 100% 3. Loss of speech 100% 4. Loss of hearing in both ears 100% 5. Loss of intellectual capacity 100% 6. Loss of hearing in one ear 25%