% of Principal Sum Insured

1

Permanent Total Disablement

100

2

Permanent end incurable Paralysis of all limbs

100

3

Permanent Total Loss of Sight of Both Eyes

100

4

Permanent Total Loss of Sight of One Eye

100

5

Loss of or the Permanent Total Loss Use of two Limbs

100

6

LOSS of or the Permanent Total Loss of Use of One Limb

100

7

Loss of Speech and Hearing

100

8

Permanent Total Loss of Hearing in

a) both Ears

b) one Ear

100

75

25

9

Permanent and incurable Insanity

100

10

Lose of Speech

50

11

Permanent Total loss of the Lens of One Eyes

50

12

Loss of or the Permanent Total Loss of Four Fingers and Thumb of

(a)           Right Hand

(b)           Left Hand

70

50

13

Loss of the Permanent Total Loss of Use of one Thumb

a)             80th Right Digit

b)            One Right Digit

c)             Both Left Digit

d)            One Left Digit

30

15

20

10

14

Loss of the Permanent Total Loss of use of four Fingers of

a)             Right Hand

b)            Left Hand

40

30

15

Lass of the Permanent Total Loss of Use of Fingers

a)             Three Right Digits

b)            Two Right Digits 

c)             One Right Digit   

d)            Three Left Digits

e)             Two Left Digits

f)             One Left Digit

10

7.5

5

7.5

5

2

16

Loss of or the Permanent Total Loss of Use of Tons

a)             All - One foot                       

b)            Great - Both Digits              

c)             Great - Digit                          

15

5

3

17

Fractured Leg or Patella with Established Non-Union

10

18

Shortening of Leg by at least 5 cm

7.5

The complete and irrecoverable lass of use of any member or members specified above shall be deemed to be loss of such member or mernbers.

In the event of partial loss of any member or members specified above a proportionately lower percentage of compensation shall be payable.

If the Insured person in left handed the percentage rotating to the right arm end right hand shall apply to the left hand or left arm respectively and the percentages relating to the loft arm or left hand apply to the right arm or right hand respectively.

When more than one infirmity arises from one accident the percentages ace added together but cannot exceed 100% of the Principal Sum Insured.

PERMANENT  TOTAL DISABILITY INDEMNITY

When as the results of Injury and commencing within 365 days of the accident and the Insured is totally and permanently disabled and prevented Irons engaging In each and every occupation of employment for compensation or profit for which he Is reasonably qualified by reason of his education training or experience, the Company will pay, provided such disability has continued for a period of twelve consecutive months and is total continuous and permanent at the end of this period the Principal Sum less any other amount paid or payable under Part 11 of this Policy as the result of the same accident.

PART IV

WEEKLY INDEMNITY

Indemnity will not be paid under this part if the accident results in any loss for which provisions is made in part 1 or part 11 , except therein provided,

a)       TEMPORARY TOTAL DISABLEMENT: When by reason of injury and commencing within ninety 190) days after the occurrence of the accident the Insured is wholly and continuously disabled and prevented from performing ears and every duty pertaining to his occupation, the Company will pay periodically the Weekly Indemnity stated in the schedule for the period of the Insured shall be disabled, commencing immediately following the elimination period (if any) stated in the Schedule as the result of any one accident.

 b)       TEMPORARY PARTIAL DISABLEMENT: That Is, if such injuries shall from the date accident yr immediately following a period of total disability covered under Part (a) continuously disabled and prevented the Insured from attending to h substantial part of his usual business or occupation, the Company will pay for the period of such continuous partial disability at the rate of twenty five (25%) percent of the compensation payable in respect of Temporary Total Disablement. The aggregate maximum period payable is up to 104 weeks.

PART V

MEDICAL REIMBURSEMENT

When by reason of injury, the Insured shall require treatment by a legally qualified physician. surgeon, confinement in a hospital or the employment of licensed or graduate nurse, the Company will pay the actual expense incurred within fifty two (52) weeks from the date of the accident for such treatment, hospital charges and nurses fees, which is in excess of the deductable amount (if any) stated in the Schedule, brut not to exceed the aggregate amount payable stated in the Schedule as the result of any accident.

PART VI

GRACE PERIOD

Unless not les than fifteen (15) days prior to the premium due date the Company has delivered to the Insured or has mailed to his last address as shown by the records of tire Company :a written notice of its intention not to renew this policy beyond the period for which the premium 1139 been accepted, a grace period of thirty one (31 ) days will be granted for the payment of each premium falling due after the first premium during which grace period of the policy shall continue in force Provided that, if a loss occurs within the grave period, any premium then due and unpaid will be deducted from die moneys Payable under this Policy.

PART VII

EXCLUSION

a)       The insurance with respect to the above hazards shall not apply:-

     to loss caused directly or indirectly. wholly or partly, by bacterial infection (except pyogenic infections which shall occur through an accidental cut or wound):

     any other kind of disease

     medical or surgical treatment (except such a- may be necessary solely by injuries covered by this policy and performed within the time provided in the policy):

b)       to any bodily injury which shall result in hernia:

c)       to suicide or any attempt there at (sane or insane); nor

d)       to loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation (whether war be declared or not) mutiny, civil war rebellion, revolution, insurrection conspiracy, military or usurped power, martial law, or state of siege, of any of the events or causes which determine the proclamation or maintenance of martial law, or state of seige seizure, quarantine, or customs regulations or nationalization by or under the order of any government or public or local authority. This exclusion shall not be affected by any endorsement which does not specifically refer to it, in whole or in part.

e)       The Insured shall, if so require-d, aril as a condition precedent to any liability of the Company, prove that the loci; did not in arty way arise under or through any of the above excepted circumstance w causes nor

f)        while the Insured is serving in the Armed Forces of any country or International authority, whether in peace or war, and in such an event the Compare, upon application of the Insured, shall return the pro rata premium for any such period of service.

g)       while the Insured is committing a felony or any illegal activities or illegal occupation.

h)       To loss caused directly or indirectly by AIDS, an opportunistic infection or malignant neoplasm caused by AIDS: or suicide. whether or not at the time of death arid the insured had AIDS.

i)         While driving or riding in tiny kind of race.

PART VIII

At issuance, this Policy includes the following clauses;

EMPLOYER / EMPLOYEE CLAUSE

It is hereby agreed that the Company shall be entitle to treat the Insured the employer do the absolute owner of thin Policy and shall not he hound to recognize any equitable of other claim tit or interest in the Po!icy arid the receipt of the Insured's legal representative alone shall be an effectual discharge.

ADDITION / DELETION CLAUSE

It is hereby declared and agreed that any additional employees w N) be automatically covered by this Policy from the first day of employment provided notification is received by the Company within sixty (60) days of the data the employee first reports for work.

It is further noted and agreed that the Insured shall notify the Company the name, effective date of employment and the individual Sum Insured and shall pay to t company any additional premium so incurred upon endorsement to the policy. Refund will be accorded for any employees who have left the employment arty deleted from cover and this will be adjusted upon notification to the Company.

EXPOSURE AND DISAPPEARANCE CLAUSE

When by reason of any accident covered by this Policy the Insured Person(s) is exposed to the elements and as the result of such exposure suffers a loss for which indemnify is otherwise payable hereunder, such loss will be covered under the terms of this Policy.

If the body of the Insured Personal has not been found within one (1) year after the date of the disappearance, sinking or wrecking of the aircraft or other conveyance which the insured was riding at the same time of the accident and under such circumstances as would otherwise be covered hereunder, it will presume that the Insured Person(s) suffered loss of life resulting from bodily injury caused by an accident at the time of such disappearance, sinking or wrecking.

PROVISIONS

EXTREME CONTRACT CHANGES IN POLICY: This policy includes the endorsements and attached papers, if any, and contains the entire contract of insurance.

No statement made by the applicant for insurance not included herein shall avoid the policy or be used in any legal proceedings hereunder. No agent has authority to change this policy r to waive any of its provisions. No change in this policy shall be valid unless approved by an executive officer of the Company and such approval be endorsed hereon.

REINSTATEMENT OF POLICY: If default be made in the payment of the agreed premium for this policy, the subsequent acceptance of a premium by the Company or by any of its duly authorized agents shall reinstate the policy. buy to cover loss resulting from accidental injury thereafter sustained.

TIME OF NOTICE 0F CLAIM: Written notice of injury of which claim may be based must be given to the Company within thirty days after the date of the accident causing the such jury. In the event of accidental death, immediate notice thereof roust be given to the Company.

SUFFICIENTLY OF NOTICE: Such Notice by or behalf of the Insured or Beneficiary, as the case may be given the company or to any authorized agent of the Company, with particulars sufficient to identify the Ensured shall be deemed to be notice to the. Company. Failure to give notice within the time provided in this policy shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible.

FORMS FOR PROOF OF LOSS: The Company upon receipt of such notice, will furnish to the claimant such forms, ape usually furnished by it for filing proof of loss. If such forms are -lot so furnished within fifteen 15 days after the receipt of such notice, the claimant shall be deemed to have complied with the requirements of this policy as to proof of loss upon submitting within the time fixed in the policy for filing proofs of loss, written proof covering the occurrence, character and extent of the loss for which claim is made.

TIME FOR FILING PROOF OF LOSS: Affirmative proof of loss must be furnished to the Company at its said office in case of claims for loss of time from disability within ninety (90) days after the termination of the period for which the Company is liable, and in case of claim for any other loss, within one hundred eighty 180 days after the date of such loss.

MEDICAL EXAMINATIONS The Company shall have the right and opportunity to examine the person of the Insured when as often as it may reasonably require during the pendency of claim hereunder and also the right and opportunity to make an autopsy in case of death where it is not forbidden by law.

IMMEDIATE PAYMENT OF INDEMNITIES: All indemnities provided in this policy for loss other than that of time on account at disability will be paid immediately after receipt of due proof.

WEEKLY INDEMNITY PAYABLE IN INSTALMENTS: Upon request of the insured aril subject to due proof of loss, all accrued indemnity for loss of time on account of disability grill be paid at the expiration of each four weeks during the continuance of the period for which the Company is liable, and any balance remaining unpaid at the termination of such period will be paid immediately upon receipt of due proof.

TO WHOM INDEMNITIES PAYABLE: Indemnity for loss of life of the insured is payable to the Beneficiary if surviving the insured, and otherwise to the Estate of the Insured. All other indemnities of this policy are payable is the insured.

RIGHTS OF BENEFICIARY: Consent of the Beneficiary shall not be requisite to surrender or assignment of this policy or to change of Beneficiary, or to any Other changes in this policy.

LIMITATIONS OF TIME FOR BRINGING SUIT: No action at law or in equity shall be brought to recover on this policy prior to the expiration of sixty (60) days after proof of loss has been filed in accordance with the requirements of this policy, nor shall such action be brought at all unless brought within two (2) years from the expiration of the time within which proof of loss is required by the policy.

LIMITATIONS CONTROLLED BY STATUTE: If any time limitation of this policy with respect to giving notice of claim or furnishing proof of loss, is less than that permitted by the law of state in which the Insured resides at the time of this policy, such limitation is hereby extended to agree with the minimum period permitted by such law.

CHANGE OF OCCUPATION: If the insured be injured after having changed his occupation to one classified by the Company as more hazardous than that stated in this policy or while doing for compensation anything pertaining to an occupation so classified, the Company will pay only such portion of the indemnities provided in this policy as the premium paid would ……………….

LIMITATIONS CONTROLLED BY STATUTE: fairy time limitation of this policy, with respect to giving notice of claim w furnishing proof of lass, is less that permitted by the law o-f state in which the Insured resides at the lime of this policy, such limitation is hereby extended to agree with the minimum period permitted by such law.

CHANCE OF OCCUPATION: If the insured be injured after having changed his occupation to one classified by the Company as more hazardous than that stated in this policy of while doing for compensation anything pertaining to an occupation so classified, the Company will pay only such portion of the indemnities provided in this policy as the premium paid would have purchased at the rates and within the limas fixed by the Company for such more hazardous occupation. If the insured changes his occupation to one classified by the Company as less hazardous than that stated in this policy, the Company, upon receipt of proof of such change o occupation, will reduce the premium rate accordingly, and will return the excess pro rate unearned premium (tom the date of change occupation or from the policy anniversary date immediately preceding receipt of such Proof, whichever is the more recent.

In applying this provision, the classification of occupational risk and the premium rates shall be such as have been promulgated by the Company prior to the occurrence of the loss for which the Company is liable or prior to date of proof of change in occupation. If the law of the state in which the insure resides at the time of this policy is issued requires that prior to its issuer a statement of the premium rates aced classification of risks pertaining to it shall be filed with a state official having supervision of Insurance in such state, then the premiums and classification of risks mentioned in this policy shall mean only such as have been last filed by the Company in accordance with such lawn but if such filing is not required by such law, then they shall mean the Company's premium rates and classification of risks last made effective by it in such stale prior to the occurrence of the lass for which the Company is liable.

CANCELLATION: The Company_ may cancel this policy at any time by written notice delivered to the Insured, or mailed to his last address as known by the records of the Company stating when thereafter such cancellation shall be effective in the event of such cancellation, the Company will return promptly tile pro rate unearned portion of any premium actually paid by the Insured. Such cancellation shall be without prejudice to any claim-originating prior thereto. In the event the policy is cancelled by the Insured, the earned premium shall be computed in accordance with the short table used by the Company at the time of cancellation,

DEFINITIONS: Wherever in this policy the word "Company" is used, it shall mean the Company issuing it and wherever the word "Insured" is used, it shall mean the applicant named in the copy of the application. Wherever, the word 'Beneficiary' is used it shall mean the person named as "Beneficiary" in the Declarations of this Policy or the person substituted as such. Wherever the word `injuries' is used, it shall mean bodily injuries effected as described in the Insuring clause

ASSIGNMENT: No assignment of interest under this Policy shall be banding upon the Company unless and until the original or a duplicate thereof is a filed at the Home Office. They Company does not assume any responsibility for the validity of an assignment, No change of Beneficiary under this policy shall bind the Company, unless consent thereto is formally endorsed hereon by an executive officer of the Company. No provision of the charter, constitution or by-laws of this Company shall be used in defense of any claim arising under this policy, unless such provision is incorporated in full in this policy.

COMPLIANCE WITH POLICY PROVISIONS: failure to comply with any of the provision contained in this policy shall invalidate all claims hereunder.

RENEWAL: This policy may be renewed with the consent of the Company from term to term, by payment of the premium in advance at the Company's premium rate in force at time of renewals.

PREMIUM WARRANTY ENDORSEMENT; It is a fundamental and absolute Special Condition of this contract of insurance that the premium clue must be paid and received by the insurer within sixty (60) days from the inception date of this Policy / Endorsement / Renewal Certificate. If this condition is not complied with then this contract is automatically cancelled and the insurer shall be entitled to the pro-rata premium for the period they have been on risk. Where the premium payable pursuant to this warranty is received by an authorized agent of the Insurer, the payment shall be deemed to be received by the Insurer for the purposes of this warranty and the onus of proving that the premium payable was received by a person including an insurance agents who was not authorized to receive such premium shall lie on the insurer.

* This document was extracted from a copy of AIG's standard Persona Accident (PA) Insurance contract. Purchase of this policy will be direct to AIG's authorized agaent.