PERSONAL ACCIDENT   Claimable amount expressed as a percentage of the Insured Amount
  This is not a contract of insurance. The description below  is only a brief summary for quick and easy reference. 
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TERMS OF USE
   Loss of life 100%
 
  Total and Permanent Disablement
  Loss of both hands 100%
  Loss of both feet 100%
  Complete and irrecoverable loss of sight in both eyes 100%
  Loss of one hand and one foot 100%
  Injuries resulting in permanently being bedridden 100%
  Any other injuries causing Total and Permanent Disability 100%
  Complete and incurable paralysis 100%
  Other Permanent Disablement
  Loss of arm at shoulder 100%
  Loss of arm between shoulder and elbow 100%
  Loss of arm at elbow 100%
  Loss of arm between elbow and wrist 100%
  Loss of hand at wrist 100%
  Loss of leg at hip 100%
  Loss of leg between knee and hip 100%
  Loss of leg below knee 100%
  Loss of eye - whole 100%
  Complete and irrecoverable loss of sight in one eye, except perception 
  of light
50%
  Loss of lens of eye 50%
  Loss of speech 50%
  Loss of hearing                 - both ears 75%
                                  - one ear 25%
  Loss of four fingers and thumb of one hand 50%
  Loss of four fingers 40%
  Loss of thumb                   - both phalanges 25%
                                            - one phalanx 10%
  Loss of index finger         - three phalanges 10%
                                            - two phalanges 8%
                                          - one phalanx 4%
  Loss of middle finger        - three phalanges 6%
                                            - two phalanges 4%
                                            - one phalanx 2%
  Loss of ring finger            - three phalanges 5%
                                            - two phalanges 4%
                                            - one phalanx 2%
  Loss of little finger            - three phalanges 4%
                                          - two phalanges 3%
                                          - one phalanx 2%
  Loss of metacarpals        - first or second (additional) 3%
                                          - third, forth or fifth (additional) 2%
  Loss of toes                     - all 15%
                                            - great (both phalanges) 5%
                                            - great (one phalanx) 2%
                                 - other toes (each) 1%
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