Astha
Accidental Permanent Partial Disability (APPD)
This coverage provides a payment to Insured
Employees in the event of complete and irrecoverable physical loss or loss of
use of specific parts of the body from bodily injury directly through an
accidental means as per the schedule of benefit in percent (%) under PPD.
Feature & Benefit
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Loss of any one eye | 50% |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Complete deafness of both
ears of traumatic origin | 40 % |
| Complete deafness of any
one ear | 10 % |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Removal of the lower jaw | 25 % |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Loss of any one hand above
the wrist | 50 % |
Considerable loss of osseous substance of any one arm | 25% |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
Total amputation of four
fingers including the thumb | 25 % |
| Total amputation of any one
thumb only | 20% |
| Total amputation of any one
index finger only | 15% |
| Total amputation of the
middle finger only | 10% |
| Total amputation of ring
finger only | 8% |
| Total amputation of the
little finger only | 7% |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Complete Loss of one leg
above the Ankle | 50 % |
Total loss of use of lower
limb below the knee | 40% |
| Total loss of foot | 30% |
| Loss of Knee | 20% |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Loss of HIP | 20 % |
Permanent partial disability is assumed if-
| Schedule of Benefit under Permanent Partial Disability (PPD) | Percentage of Individual Life Insurance Amount |
| Total amputation of four
toes including great (big) toe | 20% |
Total amputation of the
great (big) toe | 10% |
| Total amputation of any toe
other than the great (big) toe | 3% |
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