What is permanent total/partial and temporary disablement ?
(i) When an insured person sustains accidental injuries resulting in loss of limb and is certified by a medical specialist that the injury is of a permanent total or permanent partial nature, then only the insured shall deemed to be permanently totally/partially disabled. (ii) Temporary total disablement arises when a person is not in a position to perform the duties that he performing immediately prior to the accident, which has to be certified by a medical professional. These are general interpretation for easy understanding & not legal wording. Top • What is the compensation available in the event of the insured sustaining TTD ? In the event of an accidental injury resulting in temporary total disablement ( to be confirmed by the attending physician )the insured shall be entitled to a compensation @ 1% of sum insured per week subject to a maximum of 104 weeks. Such weekly compensation shall in no case exceed Rs.5,000/- per week.
When an individual person is unable to do any duties for rest of his life, he is permanently disabled. When a person loses a part of limb or hearing etc. it is permanent partial disablement. Temporary total disablement arises when a person is confined to bed for a temporary period and is indisposed to attend to his duties for that period.
