Total Disability
Probably the most important provision in a personal accident insurance policy is the definition of disability that will be used to determine your eligibility for benefits. Some policies define total disability as the inability to work for any amount of time in one's regular occupation, while other policies define it as the inability to work in any occupation for which one is qualified. The payout amount varies from country to country and from policy to policy. For example, in India, most policies pay 100% of the sum assured in cases of total disability and 50% in cases of partial disability.
