CASTROL PERSONAL ACCIDENT
CARD TERMS AND CONDITIONS
GENERAL EXCLUSIONS: This policy shall not extend to cover:
Accidental Death
Pays the insured beneficiary the principal sum of Php 25, 000.00 for accidental loss of life
occurring within twelve calendar months from date of accident
Permanent Disablement
Pays the corresponding percentages stated in the table of permanent disablement for loss by
physical severance or total permanent loss of use of the parts of the insured’s body as a
result
of the accident.
Permanent Disablement
Description of
Disablement / Dismemberment
% of the Sum
Loss of two limbs,
Loss of both feet,
Loss of both hands, or all fingers and both thumbs,
100% 100% 100%
Total loss of sight of both eyes
100%
Injuries resulting in being permanently bedridden
100%
Any other injury causing permanent total disablement
100%
Loss of arm at or above elbow
70%
Loss of arm, between elbow and wrist
60%
Loss of hands
50%
Loss of four fingers and thumb of one hand
42.5%
Loss of four finger
35%
Loss of thumb
15%
Loss of index finger
10%
Loss of middle finger
6%
Loss of ring finger
5%
Loss of little finger
4%
Loss of metacarpals – 1st or 2nd (additional)
3%
3rd, 4th, 5th (additional)
2%
Loss of Leg at or above knee
60%
Loss of Leg below knee
40%
Loss of one foot
50%
Loss of toes – all of one foot
15%
Loss of Big toe
5%
Loss of any toe other than Big Toe, each
1%
Loss of sight of one eye
50%
Loss of hearing – both ears
50%
One ear
25%
Total loss of the first joint of the thumb or any other finger or of any toe shall be considered
as equal to the loss of one-half of the thumb or finger or toe and the benefit shall be one-half
of
the benefit above specified for the loss of the thumb or finger or toe.
The loss of more than one phalange of the thumb or of any other finger or of any toe shall be
treated as loss of the entire thumbs or finger or toe.
Whereas, however, there is loss of two or more parts of the hand, the percentage payable shall
not
be more than the loss of the whole hand.
Where the injury is not specified the Company will adopt a percentage of disablement which in
its
opinion is not inconsistent with the provision of this table.
The aggregate of all percentages payable in respect of any one accident shall not exceed 100%
GENERAL EXCLUSIONS: Losses due to bodily or mental infirmity, intentionally self-inflicted injury, suicide or any
attempt
thereat whether sane or insane, war, strikes, riot, civil commotion, rebellion or revolution, while
under the influence of prohibited drugs, illegal acts of the insured, while operation or learning to
operate or serving a crew member of an aircraft or losses suffered in consequence or engaging or
participating in any automobile race or speed contest, motorcycle driving and provoked assault.