CMFAS PGI Personal Accident Insurance question: distinguishes permanent TOTAL disablement from permanent PARTIAL disablement

CMFAS PGIPersonal Accident Insurance

In the disablement scale, what distinguishes permanent TOTAL disablement from permanent PARTIAL disablement?

A Total is a temporary disablement lasting weeks, while partial is a permanent one
B Total permanently and wholly prevents the activity; partial is a permanent partial loss
C Total applies to disablement from illness, while partial applies to accidents
D Total is assessed on the insured's actual earnings; partial follows the fixed schedule

Show the answer and explanation

Answer: B. Total permanently and wholly prevents the activity; partial is a permanent partial loss

The scale distinguishes permanent total disablement, where the insured is permanently and wholly prevented from the relevant activity or occupation, from permanent partial disablement, which is a permanent but partial loss.

Common mistake

Confusing the total/partial distinction with a permanent/temporary or illness/accident split.

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CMFAS PGI Personal Accident Insurance question: distinguishes permanent TOTAL disablement from permanent PARTIAL disablement

Answer: B. Total permanently and wholly prevents the activity; partial is a permanent partial loss

Common mistake

Related CMFAS PGI questions

CMFAS PGI Personal Accident Insurance question: distinguishes permanent TOTAL disablement from permanent PARTIAL disablement

Answer: B. Total permanently and wholly prevents the activity; partial is a permanent partial loss

Common mistake

Related CMFAS PGI questions