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International Life Insurance Compensation Schedules
The following is a schedule which states the percentage of insured Accident Benefit paid in the event of an accident that results in one (or more) of the following events:
| Loss of Life |
100% | ||||||
| Total and irrecoverable loss
of sight, both eyes |
100% | ||||||
| Loss of both arms or both hands |
100% | ||||||
| Complete and permanent deafness
of both ears, of traumatic origin |
100% | ||||||
| Removal of lower jaw |
100% | ||||||
| Permanent loss of speech of
traumatic origin |
100% | ||||||
| Loss of one arm and one leg |
100% | ||||||
| Loss of one arm and one foot |
100% | ||||||
| Loss of one hand and one leg |
100% | ||||||
| Loss of one hand and one foot |
100% | ||||||
| Loss of both legs |
100% | ||||||
| Loss of both feet | 100% | ||||||
| Head | |||||||
| Loss of osseous substance of the skull in all its thickness | |||||||
|
|||||||
| Partial removal of the lower
jaw, rising section in its entirety or half of the maxillary
bone |
40% | ||||||
| Loss of one eye |
40% | ||||||
| Complete and permanent deafness of one ear | 30% | ||||||
| Upper Limbs |
Right | Left |
| Loss of one arm or one hand |
60% | 50% |
| Considerable loss of osseous
substance of the arm (definite & incurable lesion) |
50% | 40% |
| Total paralysis of the upper
limb (incurable lesion of the nerves) |
65% | 55% |
| Total paralysis of the circumflex
nerve |
20% | 15% |
| Shoulder Anchylosis |
40% | 30% |
| Elbow Anchylosis in favourable
position (15 degrees round the right angle) |
25% | 20% |
| Elbow Anchylosis in unfavourable
position |
40% | 30% |
| Extensive loss of osseous substance
of the two bones of the forearm (definite and incurable
lesion) |
40% | 30% |
| Total paralysis of the median
nerve |
45% | 35% |
| Total paralysis of the radian
nerve at the torsion cradle |
40% | 35% |
| Total paralysis of the forearm
radian nerve |
30% | 25% |
| Total paralysis of the hand
radial nerve |
20% | 15% |
| Total paralysis of the cubital
nerve |
30% | 25% |
| Anchylosis of the wrist in favourable
position (straight and pronation) |
20% | 15% |
| Anchylosis of the wrist in unfavourable
position (flexion or strained extension of supine position) |
30% | 25% |
| Total loss of thumb |
20% | 15% |
| Partial loss of thumb (ungual
phalanx) |
10% | 5% |
| Total anchylosis of thumb |
20% | 15% |
| Total amputation of forefinger |
15% | 10% |
| Amputation of two phalanges
of forefinger |
10% | 8% |
| Amputation of the ungual phalanx
of forefinger |
5% | 3% |
| Simultaneous amputation of thumb
and forefinger |
35% | 25% |
| Amputation of thumb and finger
other than forefinger |
25% | 20% |
| Amputation of two fingers other
than thumb and forefinger |
12% | 8% |
| Amputation of three fingers
other than thumb and forefinger |
20% | 15% |
| Amputation of four fingers including
thumb |
45% | 40% |
| Amputation of four fingers excluding
thumb |
40% | 35% |
| Amputation of the
medial finger |
10% | 8% |
| Amputation of finger other than thumb, forefinger and median | 7% | 3% |
| Lower Limbs | |
| Amputation of thigh (upper half) |
60% |
| Amputation of thigh (lower half
and leg) |
50% |
| Total loss of foot (tibio-tarsal
disarticulation) |
45% |
| Partial loss of foot (sub-ankle
bone disarticulation) |
40% |
| Partial loss of foot (medio-tarsal
disarticulation) |
35% |
| Partial loss of foot (tarso-metatarsal
disarticulation) |
30% |
| Total paralysis of lower limb
(incurable nerve lesion) |
60% |
| Complete paralysis of the external
poplitic sciatic nerve |
30% |
| Complete paralysis of the internal
poplitic sciatic nerve |
20% |
| Complete paralysis of two nerves
(poplitic sciatic external and internal) |
40% |
| Anchylosis of the hip |
40% |
| Anchylosis of the knee |
20% |
| Loss of osseous substance from
the thigh or both bones of the leg (incurable condition) |
60% |
| Loss of osseous substance of
the knee-pan with considerable separation of the fragments
and considerable difficulty of movements in stretching
the leg |
40% |
| Loss of osseous substance of
the knee-pan while the movements are preserved |
20% |
| Shortening of the lower limb
by at least 5 cm |
30% |
| Shortening of the lower limb
by 3-5 cm |
20% |
| Shortening of the lower limb
by 1-3 cm |
10% |
| Total amputation of all toes |
25% |
| Amputation of four toes including
the big toe |
20% |
| Amputation of four toes |
10% |
| Anchylosis of the big toe |
10% |
| Amputation of two toes |
5% |
| Amputation of one toe, other than the big toe | 3% |