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Permanent & Partial Disability (PPD)

Get Benefited in case of Permanent & Partial Disability

Together with the Basic Life Insurance Scheme, one or all of the supplementary covers may be taken if desired, to enhance the benefit, on payment of additional premium.

In case of Permanent and Partial Disablement (PPD) caused directly by accident the company shall pay to the employer a certain percentage of the sum assured specified in the schedule below and where applicable, only one sum namely the larger sum will be paid for multiple injuries resulting from one accident

Salient Features:
  • Certain percentage (%) of GT Sum Assured as per schedule
  • Convenient Premium Payment Options [same as base plan]
  • Enjoy attractive discounts at our partner hospitals & cilinical labs with Protective Life Card
  • Opening a door to a rich network of more than 270 partner Hospitals & Clinical Labs
Case Scenario:

Description of Permanent and Partial Disability Percentage of the Sum Assured payable:

Sl No Description Percentage (%)
of GT Sum Assured
HEAD
01 Loss of one eye 50 %
02 Complete deafness of both ears of traumatic origin 40 %
03 Complete deafness of one ear 10 %
04 Removal of the lower jaw 25 %
UPPER LIMBS
05 Loss of one hand above the wrist 50 %
06 Considerable loss of osseous substance of the arm (definite and incurable lesion) 25 %
07 Total amputation of thumb 20 %
08 Total amputation of four finger including thumb 25 %
09 Total amputation of index finger only 15 %
10 Total amputation of middle finger only 10 %
11 Total amputation of ring finger only 08 %
12 Total amputation of little finger only 07 %
LOWER LIMBS
13 Loss of one leg above the ankle 50 %
14 Total loss or total loss of use of lower limbs below the knee 40 %
15 Total loss of foot 30 %
16 Ankylosis of the hip 30 %
17 Ankylosis of the knee 20 %
18 Total amputation of all the toes 25 %
19 Total amputation of four toes including big toe 20 %
20 Total amputation of the big toe 10 %
21 Total amputation of one toe other than the big toe 03 %