| Schedule of Injuries |
| Fractures of: |
% of Sum Assured |
| A. Hip or Pelvis (Excluding thigh or coccyx) |
|
Multiple fractures, one compound, one complete |
60% |
|
All other compound fractures |
30% |
|
Multiple fractures, at least one complete |
15% |
|
All other fractures |
12% |
| B. Thigh or Heal |
|
Multiple fractures, one compound, one complete |
30% |
|
All other compound fractures |
24% |
|
Multiple fractures, at least one complete |
15% |
|
All other fractures |
12% |
| C. Lower leg, skull, clavicle, ankle, elbows, upper or lower arm (including wrist but excluding Colles-type fracture) |
|
Multiple fractures, one compound, one complete |
24% |
|
All other compound fractures |
15% |
|
Multiple fractures, at least one complete |
12% |
|
Depressed fracture of the skull needing surgical intervention |
7.2% |
|
All other fractures |
6% |
| D. Colles type fracture of the lower arm |
|
Compound |
12% |
|
Other |
6% |
| E. Shoulder blade, knee cap, sternum, hand (excluding fingers and wrist), foot (excluding toes or heel) |
|
All compound fractures |
12% |
|
All other fractures |
6% |
| F. Spinal Column (vertebrae but excluding coccyx) |
|
All compression fractures |
12% |
|
All spinous, transverse process or pedicle fractures |
12% |
|
Fracture leading to permanent neurological damage |
12% |
|
All other vertebral fractures |
6% |
| G. Lower Jaw |
|
Multiple fractures, one compound, one complete |
15% |
|
All other compound fractures |
12% |
|
Multiple fractures, at least one complete |
9.6% |
|
All other fractures |
4.8% |
| H. Rib or ribs, cheekbone, coccyx, upper jaw, nose, toe or toes, finger or fingers |
|
Multiple fractures, one compound, one complete |
9.5% |
|
All other compound fractures |
7.2% |
|
Multiple fractures, at least one complete |
4.8% |
|
All other fractures |
2.4% |
| I. Burns |
|
3rd degree burns on: |
|
|
At least 27% of body surface |
24% |
|
At least 18% of body surface |
19.2% |
|
At least 9% of body surface |
9.6% |
|
At least 4.5% of body surface |
4.8% |
| J. Dislocations requiring surgery under anaesthesia * |
|
a) Spine or back, diagnosed by x-ray (excluding slipped disc) |
48% |
|
b) Hip |
30% |
|
c) Knee |
15% |
|
d) Wrist or elbow |
12% |
|
e) Ankle, shoulder blade or collarbone |
6% |
|
f) Fingers, toes or jaw |
2.4% |
| K. Internal injuries or concussion |
|
Internal injuries resulting in open abdominal or thoracic surgery (exclusing hernia) |
15% |
|
Concussion characterised by loss of consciousness and some degree of amnesia |
15% |
|
L. Injury requiring hospital confinement, as an in-patient, for forty-eight (48) hours or more where no other benefits from A to K of the Schedule of Injuries is payable. |
1.2% |
