If the Policy Schedule shows that You have selected the Specific Injury Benefit option, should the Life Assured suffer any of the Specific Injuries defined below, then We will pay You the Benefit as shown below, whether or not the Life Assured is working. The Benefit starts to accrue when the Specific Injury is suffered and is paid monthly in advance and will stop when the payment period ends. If the Life Assured suffers more than one Specific Injury only one (1) Benefit will be paid being the Specific Injury that provides the greatest Benefit. Whilst the Specific Injury Benefit is being paid no other Benefit is payable under this Policy . If the Life Assured is still Totally or Partially Disabled at the end of the payment period, any further Benefits will be assessed at the end of the payment period.
Specified Injuries and Payment Periods
Specified Injury Fracture of jaw Fracture of skull
Payment Period
30 days 30 days 30 days 30 days 45 days 60 days 60 days 60 days 60 days 60 days 60 days 60 days
Fracture of forearm Fracture of collarbone
Fracture of wrist
Fracture of upper arm Fracture of shoulder
Fracture elbow
Fracture of vertebrae Fracture of kneecap
Fracture of ankle Fracture of heel
Fracture of the leg below the knee (tibia or fibula) Fracture of the leg above the knee (femur)
60 days
90 days 90 days
Facture of the pelvis
Loss of the thumb and index finger of the same hand
6 months 12 months 12 months 18 months
Loss of a foot or hand Loss of sight in an eye Loss of a whole leg or arm
Loss of any combinations of hand, foot or sight Paralysis (Diplegia, Hemiplegia, Paraplegia, Quadriplegia)
24 months
up to 60 months*
Fracture means any fracture resulting from an accident requiring fixation, immobilisation or plaster cast treatment of the affected area within 48 hours of the accident. *Paralysis up to 60 months or the benefit period specified in the policy schedule under Specific Injury Benefit Option , whichever is the lesser. Loss means the: • Total and permanent loss of the use of the hand from the wrist or the foot from the ankle joint; or • Total and permanent loss of the use of the arm from the elbow or leg from the knee joint; or • Complete severance of the thumb and index finger from the first phalangeal joint; or
PC-MIRC- 05/2026
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