|Table A||Table B||Table C||Table D|
|Death cover wherein 100% of the capital sum insured is payable.|
|Loss of two limbs / both eyes / one limb and one eye wherein 100% of the capital sum insured is payable.|
|Loss of one limb or one eye wherein 50% of the capital sum insured is payable.|
|Permanent Total Disablement other than above e.g. paralysis due to an accident, wherein 100% of the capital sum insured is payable.|
|Permanent Partial Disablement i.e. where a part of the body becomes permanently disabled due to an accident, e.g. total and irrevocable loss of use of a finger due to an accident. In such cases, a percentage of the capital sum insured as specified in the policy is paid.|
|Temporary Total Disablement i.e. where the insured person becomes temporarily disabled from undertaking any work as a result of an accident for e.g. fracture of legs. In such cases, a weekly payment of 1% of the capital sum insured subject to a maximum limit, is paid for the number of weeks or part thereof (maximum 52 weeks), during which the insured person is totally disabled.|
Any adult legal resident of Bahrain can take the policy covering himself / herself and dependent family members between the ages of 5 and 70yrs.
It is very difficult to put a value to a human life. Hence the principle of indemnity cannot be applied in this policy. However it becomes necessary to apply some yardstick for fixing the sum insured so that human lives are not overvalued for ulterior motives. Hence the capital sum insured is restricted to 72months income from gainful employment. This means that income from property, shares etc. will not be taken into account. For non working spouse, the sum insured is restricted to 50% of the sum insured of earning spouse subject to a maximum of BHD 5000/- and for dependent children to 25% of the sum insured of earning parents subject to a maximum of BHD 2000.