Permanent Partial Disablement Clause Samples
The Permanent Partial Disablement clause defines the terms under which an insured individual is compensated for a lasting but not total loss of physical or mental ability due to injury or illness. Typically, this clause outlines specific types of injuries or impairments—such as the loss of a limb or partial loss of vision—and assigns a percentage of the policy benefit based on the severity and permanence of the disablement. Its core function is to provide financial support proportionate to the degree of permanent impairment, ensuring that policyholders receive appropriate compensation for partial disabilities that impact their ability to work or perform daily activities.
Permanent Partial Disablement. As Follows
Permanent Partial Disablement. The company shall pay the following percentage of Sum Insured, specified in the policy schedule, if the Insured Person suffers Permanent Partial Disablement of the nature specified below solely and directly due to an Accident during the Period of insurance while the Insured Person is travelling as a passenger on a Common Carrier provided that the Permanent Partial Disablement shall occur within 365 days of the date of the Accident. Loss Covered Percentage of Sum Insured
1. Loss of Use/ Physical Separation: One entire hand 50% One entire foot 50% Loss of Sight of one eye 50% Loss of toes – all 20% Great both phalanges 5% Great - one phalanx 2% Other than great if more than one toe lost 1%
2. Loss of Use of both ears 50%
3. Loss of Use of one ear 20%
4. Loss of four fingers and thumb of one hand 40%
Permanent Partial Disablement. A disability that is described under the extension to Permanent Total Disablement which is beyond hope of recovery and will in all probability continue for the remainder of the Insured Person’s life.
Permanent Partial Disablement. In the event an Insured Person sustains Bodily Injury which does not result in a payment under items 1-4a, of section A and item 4b of section A is shown as being operative on the Schedule, the Company will pay an amount for Permanent Partial Disablement for the amount shown under this extension or as a percentage of the Sum Insured for item 4a of section A, shown on the Schedule, depending on the degree of permanent disability following a medical assessment. The percentages of the Sum Insured payable under 4a of section A for specific disabilities are: Specific Disabilities
Permanent Partial Disablement. If during the Policy Year, the Insured Person sustains Injury which directly results in Permanent Partial Disablement within twelve
Permanent Partial Disablement. If during the Policy Year, the Insured Person sustains Injury which directly results in Permanent Partial Disablement within twelve (12) months from the date of Accident, then We agree to pay the percentage of the Sum Insured shown in the Table of Events below and as specified in the Schedule. The Table of Events below sets out the events which constitute ‘Permanent Partial Disablement’. We will pay the percentage of the Sum Insured shown in the table below:
Permanent Partial Disablement. A Permanent Disablement which makes an Insured Person unable to perform more than 50% of his or her full physical capacity as described under Item 23 of the Schedule of Events which is beyond hope of recovery and will in all probability continue for the remainder of the Insured Person’s natural life as determined by a Medical Consultant.
Permanent Partial Disablement. A Permanent disability that is described under item 1.28 on the Schedule of Events.
Permanent Partial Disablement. As Follows ▇▇▇▇▇ as calculated on Rule of nine for each areas of body affected As Follows Specific exclusion applicable to Permanent Partial Disability: