Differences
Policy wordings may assign different percentages to individual body parts.
Benefit schedule
The percentages behind disability benefits.
The schedule assigns assessment percentages to body parts and sensory organs. Partial functional impairment is assessed proportionally under the individual policy wording.
Partial function
Not only complete loss but also functional impairment can be assessed under the contractual standard.
Multiple injuries
The policy wording governs aggregation and any overall maximum.
Overall function
Some injuries require a broader medical functional assessment rather than a simple body-part percentage.
Related topic: Base sum & progression →
Personal advice
Review the policy wording before the claim.
We compare benefit structure, exclusions and claims rules rather than premium alone.
