Page 382 - Ebook health insurance IC27

The Insurance Times

Disability :
Takes several forms and would depend upon the terms of the individual policy. Major
areas are partial, which is found under accident and health insurance, permanent partial,
which is found under workmen's compensation, accident and health insurance, permanent
total disability which is found under workmen's compensation insurance, accident and
health insurance. Also temporary total and temporary partial which are found under
workmen's compensation, accident and health insurances.

Disablement :
In the case of injuries different kinds leading to different effects on the person could
exist. The net result in these cases will be that the person is not in a position to attend to
his normal occupation.
Permanent total disablement: As a result of the accident the person is permanently
and totally disabled. This means that the person is practically reduced to mere mass of
flesh.
Permanent partial disablement: This is a situation where as a consequence of the
accident part of a body (such as finger, arm or leg) is permanently severed from the
body. Although a part of body is permanently lost, yet the person will be in a position to
attend to his duties partially if not to the same extent as before once the wound is healed
completely and the person becomes otherwise fit enough to attend.
Temporary total disablement: The person totally confined to his bed for a temporary
period only during which time he is not in a position to do anything. But he gradually
recovers over a period of time and becomes fit to attend to his normal duties.

Domiciliary Hospitalization :
Domiciliary Hospitalization is the treatment of the patient is carried out at home. This
needs to be as per the doctor's recommendation.

386 Guide for Health Insurance