Optional Benefit 2 (iii): Permanent Partial Disablement. If the Insured Member suffers an Injury during the Cover Year, which directly results in the Insured Member’s Permanent Partial Disablement within 12 months from the date of Accident (including date of Accident), the Company will pay the amount as specified against this Benefit in the Certificate of Insurance and as per the ‘PPD Table’ below : Sr. No. Insured Events Amount payable = % of the Coverage Amount specified in the Certificate of Insurance against Optional Benefit 2 (iii) I Total and irrecoverable loss of hearing in: - a) Both ears 75% b) One ear 20% II Loss of toes a) All 20% b) Both phalanges of great toes bilateral 5% c) Both phalanges of one great toe 2% d) Both phalanges of other than great toes for each toe 1% III Loss of four fingers and thumb of one hand 40% IV Loss of four fingers of one hand 35% V Loss of thumb a) both phalanges 25% b) one phalanx 10% VI Loss of index finger a) three phalanges 10% b) two phalanges 8% c) One phalanx 4% VII Loss of middle finger a) three phalanges 6% b) two phalanges 4% a) One phalanx 2% VIII Loss of ring finger a) three phalanges 5% b) two phalanges 3% c) One phalanx 2% IX Loss of little finger a) three phalanges 4% b) two phalanges 3% c) One phalanx 2% X Loss of metacarpus first or second 3% third, fourth or fifth 2% XI Permanent partial disablement not otherwise provided for under Sr. No. I to X inclusive. Percentage of the Coverage Amount will be determined in accordance with the medical assessment carried out by the Medical Practitioner provided that the percentage under Insured Event Sr. No. XI shall not exceed 50% of the Coverage Amount Note: For the purpose of Insured Events II to X, loss means either actual physical separation or total and irrecoverable loss only. It is further agreed that in case of multiple events, the Company’s maximum liability shall not exceed the amount specified against this benefit.
