Permanent Total Disablement (PTD). If the Insured Person suffers an Injury during the Policy Period, which directly results in the Insured Person’s Permanent Total Disablement within 12 months from the date of Accident (including date of Accident), then the Company will pay the amount as specified in the table below : Sr. No. Insured Events Amount payable = % of the coverage amount of that Insured Person under this Optional Cover I Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot 100% II Total and irrecoverable loss of (a) use of two hands or two feet; or (b) one hand and one foot; or (c) sight of one eye and use of one hand or one foot 100% III Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot 50% IV Total and irrecoverable loss of use of a hand or a foot without physical separation 50% V Paraplegia or Quadriplegia or Hemiplegia 100% Note: For the purpose of Sr. No. I to IV above, physical separation of a hand or foot shall mean separation of the hand at or above the wrist, and of the foot at or above the ankle. For the purpose of this Benefit only:
Permanent Total Disablement (PTD). If an Insured Person suffers an Injury due to an Accident whilst on a Trip, and that Injury solely and directly results in Permanent Total Disablement of the Insured Person which is of the nature specified in the table of benefits below within 365 days from the date of the Accident, the Company shall pay the percentage of the Sum Insured as is specified in the table of benefits. 100 100 100 100 100 100 100 100 Percentage of the Sum Insured payable Nature of Permanent Total Disablement Total and irrecoverable loss of sight in both eyes Loss by physical separation or total and permanent loss of use of both hands or both feet Loss by physical separation or total and permanent loss of use of one hand and one foot Total and irrecoverable loss of sight in one eye and loss of a Limb Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye Total and irrecoverable loss of hearing in both ears and loss of speech Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye Permanent, total and absolute disablement (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever For the purpose of this Benefit:
Permanent Total Disablement (PTD). We will pay the Sum Insured upto the limit specified in the Policy Schedule if the Insured Person suffers Permanent Total Disablement of the nature specified below solely and directly due to an Accident which occurs during the Policy Period provided that the Permanent Total Disablement occurs within 12 months from the date of that Accident: (c)
