(NAR) VOL. 10 NO. 3 / JULY - SEPTEMBER 1999
> | Minimum Amount of Cover is P100,000.00 per passenger to cover every person as per total passenger capacity indicated in the Certificate of Inspection. |
> | Aggregate Limit of Liability is the total amount to cover the capacity of the carrying vessel as per its Certificate of Inspection placed at P100,000.00 per passenger. |
> | All passengers carried by a passenger carrying vessel manifested, unmanifested, ticketed, unticketed including minors (regardless of age), shall be covered by a passenger insurance. |
No. |
HEAD |
Grade |
|
Traumatic Head Injuries to |
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1 |
Apperture unfilled with borne not over three(3) inches without brain injury |
9 |
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2. |
Apperture unfilled with borne over three (3) inches without brain injury |
3 |
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3. |
Severe paralysis of both upper or lower extremities or one upper and one lower extremity |
1 |
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4. |
Moderate paralysis of two (2) extremities producing moderate difficulty with self care activities |
6 |
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5. |
Slight paralysis affecting one extremity producing slight difficulty with self-care activities |
10 |
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6. |
Severe mental disorder or Severe Complex Cerebral function disturbance or post-traumatic psychoneurosis which require regular aid and attendance as to render passenger/crew permanently unable to perform any work |
1 |
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|
|
7. |
Moderate mental disorder or moderate brain functional disturbance which limits passenger/crew to the activities of daily living with some directed care or attendance |
6 |
|
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8. |
Slight mental disorder or disturbance that requires little attendance or raid and which interferes to a slight degree with the capacity of the claimant |
10 |
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9. |
Incurable imbecility |
1 |
|
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|
No. |
FACE |
Grade |
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Severe disfigurement of the face or head as to make the passenger so repulsive as to greatly handicap him in securing or retaining employment, thereby being no permanent functional disorder |
2 |
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Moderate facial disfigurement involving partial ablation of the nose with big scars on face or head |
5 |
|
|
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|
Partial ablation of the nose or partial avulsion of the scalp |
9 |
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Complete loss of the power of mastication and speech function |
1 |
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Moderate constriction of the jaw resulting in moderate degree of difficulty in chewing and moderate loss of the power or the expression of speech |
6 |
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Slight disorder of mastication and speech function due to traumatic injuries to jaw or cheek bones |
12 |
|
|
|
No. |
EYES |
Grade |
|
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|
1. |
Blindness or total and permanent loss of vision of both eyes |
1 |
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2. |
Total blindness of one (1) eye and fifty percent (50%) loss of vision of the other eye |
5 |
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3. |
Loss of one eye or total blindness of one eye |
7 |
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4. |
Fifty percent (50%) loss of vision of one eye |
10 |
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5. |
Lagopthalmos, one eye |
12 |
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6. |
Ectropion, one eye |
12 |
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7. |
Ephiphora, one eye |
12 |
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8. |
Prosis, one eye |
12 |
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NOTE: (Smeller’s Chart - used to grade distant vision) |
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No. |
NOSE AND MOUTH |
Grade |
|
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|
1 |
Considerable stricture of the nose (both sides) hindering breathing |
11 |
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2. |
Loss of the sense of hearing in one ear |
11 |
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3. |
Injuries to the tongue (partial amputation or adhesion) or palate-causing defective speech |
10 |
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4. |
Loss of three (3) teeth restored by prosthesis |
14 |
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No. |
EARS |
Grade |
|
|
|
1. |
For the complete loss of the sense of hearing on both ears |
3 |
|
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2. |
Loss of two (2) external ears |
8 |
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3. |
Complete loss of the sense of hearing in one ear |
11 |
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4. |
Loss of one external ear |
12 |
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5. |
Loss of one-half (½) of an external ear |
14 |
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No. |
NECK |
Grade |
|
|
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1. |
Such injury to the throat as necessitates the wearing of a tracheal tube |
6 |
|
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2. |
Loss of speech due to injury to the vocal cord |
9 |
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3. |
Total stiffness of neck due to fracture or dislocation of the cervical pines |
8 |
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4. |
Moderate stiffness or two-thirds (2/3) loss of motion of the neck |
10 |
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5. |
Slight stiffness of neck or one-third (1/3) loss of motion |
12 |
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No. |
CHEST-TRUNK-SPINE |
Grade |
|
|
|
1. |
Fracture of four (4) or more ribs resulting to severe limitation of chest expansion |
6 |
|
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2. |
Fracture of four (4) or more ribs with intercostal neuralgia resulting in moderate limitation of chest expansion |
9 |
|
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3. |
Slight limitation of chest expansion due to simple rib functional without myositis or intercostal neuralgia |
12 |
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4. |
Fracture of the dorsal or lumbar spines resulting to severe or total rigidity of the trunk or total loss of lifting power of heavy objects |
6 |
|
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5. |
Moderate rigidity or two-thirds (2/3) loss of motion or lifting power of the trunk |
8 |
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6. |
Slight rigidity or one-third (1/3) loss of motion or lifting power of the trunk |
11 |
|
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7. |
Injury to the spinal cord as to make walking impossible without the aid of a pair of crutches |
4 |
|
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8. |
Injury to the spinal cord as to make walking impossible even with the aid of a pair of crutches |
1 |
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9. |
Injury to the spinal cord resulting to incontinence of urine and feces |
1 |
|
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|
No. |
ABDOMEN |
Grade |
|
|
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1. |
Loss of the spleen |
8 |
|
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2. |
Loss of the kidney |
7 |
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3. |
Severe residuals of impairment of intra-abdominal organs which requires regular aid and attendance that will unable worker to seek any gainful employment |
1 |
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4. |
Moderate residuals of disorder of the intra-abdominal organs secondary to trauma resulting to impairment of nutrition, moderate tenderness, nausea, vomiting, constipation or diarrhea |
7 |
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5. |
Slight residuals or disorder of the intra-abdominal organs resulting in impairment of nutrition, slight tenderness and/or constipation or diarrhea |
12 |
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6. |
Inguinal hernia secondary to trauma or strain |
12 |
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No. |
PELVIS |
Grade |
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1. |
Fracture of the pelvic rings as to totally incapacitate passenger/crew to work |
1 |
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2. |
Fracture of the pelvic ring resulting to deformity and lameness |
6 |
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No. |
URINARY AND GENERATIVE ORGANS |
Grade |
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1. |
Total loss of penis |
7 |
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2. |
Total loss of both testicles |
7 |
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3. |
Total loss of one testicle |
11 |
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4. |
Scars on the penis or destruction of the parts of the cavernous body or urethra Interfering with erection or markedly affecting coitus |
9 |
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5. |
Loss of one breast |
11 |
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6. |
Prolapse of the uterus |
6 |
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7. |
Great difficulty in urinating |
13 |
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8. |
Incontinence of urine |
10 |
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No. |
THUMBS AND FINGERS |
Grade |
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|
1. |
Total loss of one thumb including metacarpal bone |
9 |
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2. |
Total loss of one thumb |
10 |
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3. |
Total loss of one index finger including metacarpal bone |
10 |
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4. |
Total loss of one index finger |
11 |
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5. |
Total loss of one middle finger including metacarpal bone |
11 |
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6. |
Total loss of one middle finger |
12 |
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7. |
Total loss of one ring finger including metacarpal bone |
12 |
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8. |
Total loss of one ring finger |
13 |
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9. |
Total loss of one small finger including metacarpal bone |
13 |
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10. |
Total loss of one small finger |
14 |
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11. |
Loss of two (2) or more fingers: Compensation for the loss or loss of use of two (2) or more fingers or one (1) or more phalangers of two or more digits of a hand must be proportioned to the loss of the hand occasioned thereby but shall not exceed the compensation for the loss of a hand |
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a. Loss of five (5) fingers of one hand |
6 |
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b. Loss of thumb, index fingers and any of 2 or more fingers of the same hand |
6 |
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c. Loss of the thumb index fingers and any of 2 or more fingers of the same hand |
7 |
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d. Loss of thumb and index finger |
8 |
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e. Loss of three (3) fingers of one hand not including thumb and index finger |
9 |
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f. Loss of the index finger and any one of the fingers of the same hand excluding thumb |
9 |
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g. Loss of two (2) digits of one hand not including thumb and index finger |
10 |
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12. |
Loss of ten (10) fingers of both hand |
3 |
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No. |
HANDS |
Grade |
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1. |
Total loss of use of both hands or amputation of both hands at wrist joints of above |
1 |
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2. |
Amputation of a hand at carpo-metacarpal joints |
5 |
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3. |
Amputation between wrist and elbow joint |
5 |
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4. |
Loss of grasping power for small objects between the fold of the finger of one hand |
10 |
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5. |
Loss of grasping power for large objects between fingers and palm of one hand |
10 |
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6. |
Loss of opposition between the thumb and tips of the fingers of one hand |
9 |
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7. |
Ankylosed wrist in normal |
10 |
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8. |
Ankylosed wrist in position one third (1/3) flexed or half extended and or severe limited action of a wrist |
11 |
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No. |
SHOULDER AND ARM |
Grade |
|
|
|
1. |
Inability to turn forearm (forearm in normal position-supination) |
11 |
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2. |
Inability to turn forearm (forearm in abnormal position-pronation) |
10 |
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3. |
Disturbance of the normal carrying angle or weakness of an arm or a forearm due to deformity of moderate atrophy of muscles |
11 |
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4. |
Stiff elbow at full flexion of extension (one side) |
7 |
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5. |
Stiff elbow at right angle flexion |
8 |
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6. |
Flail elbow joint |
9 |
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7. |
Pseudoarthrosis of the humerus with musculospiral or radial paralysis |
6 |
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8. |
Ankylosis of one shoulder the shoulder blade remaining rigid |
9 |
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9. |
Ankylosis of one shoulder the shoulder blade remaining rigid |
8 |
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10. |
Unreduced dislocation of one (1) shoulder |
8 |
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11. |
Ruptured biceps or pseudoarthrosis of the humerus, close (one side) |
11 |
|
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12. |
Inability to raise arm more than halfway from horizontal to perpendicular |
11 |
|
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13. |
Ankylosis of the shoulder joint not permitting arm to be raised above a level with a shoulder and/or irreducible fracture or faulty union collar bone |
10 |
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14. |
Total paralysis of both upper extremities |
1 |
|
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15. |
Total paralysis of one upper extremity |
3 |
|
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16. |
Amputation of one (1) upper extremity at or above the elbow |
4 |
|
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17. |
Sear the size of the palm in one extremity |
14 |
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No. |
LOWER EXTREMITIES |
Grade |
|
|
|
1. |
Loss of a big toe |
12 |
|
|
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2. |
Loss of a toe other than the big one |
14 |
|
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3. |
Loss of ten (10) digits of both feet |
5 |
|
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4. |
Loss of a great toe of one foot - one toe |
10 |
|
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5. |
Loss of two (2) toes not including great toe or toe next to it |
12 |
|
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6. |
Loss of three (3) toes excluding great toe of a foot |
10 |
|
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7. |
Loss of four (4) excluding great toe of a foot |
9 |
|
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8. |
Loss of great toe and two (2) other toes of the same foot |
9 |
|
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9. |
Loss of five digits of a foot |
8 |
|
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10. |
Loss of both feet at ankle joint or above |
1 |
|
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11. |
Loss of one foot at ankle joint or above |
6 |
|
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12. |
Depression of the arch of a foot resulting in weak foot |
12 |
|
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13. |
Loss of one-half (½) metatarsus or forepart of foot |
8 |
|
|
|
14. |
Loss of whole metatarsus or forepart of foot |
7 |
|
|
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15. |
Tearing of achilles tendon resulting in the impairment of active flexion and extension of a foot |
12 |
|
|
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16. |
Malleolar fracture with displacement of the foot inward or upward |
10 |
|
|
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17. |
Complete immobility of an ankle joint in abnormal position |
10 |
|
|
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18. |
Complete immobility of an ankle joint in normal position |
11 |
|
|
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19. |
Total of loss of a leg or amputation at or above the knee |
3 |
|
|
|
20. |
Stretching of leg of the ligaments of a knee resulting in instability of joint |
10 |
|
|
|
21. |
Ankylosis of a knee in genuvalgus of varus |
10 |
|
|
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22. |
Pseudoarthrosis of a knee cap |
10 |
|
|
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23. |
Complete immobility of a knee joint in full extension |
10 |
|
|
|
24. |
Complete immobility of a knee joint in strong flexion |
7 |
|
|
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25. |
Complete immobility of a hip joint in flexion of the thigh |
5 |
|
|
|
26. |
Complete immobility of a hip joint in full extension of the thigh |
9 |
|
|
|
27. |
Slight atrophy of calf or leg muscles with apparent shortening or joint lesion or disturbance weight-bearing line |
13 |
|
|
|
28. |
Shortening of a lower extremity from one to three centimeters with either joint lesion or disturbance of weight-bearing joint |
13 |
|
|
|
29. |
Shortening of 3 to 6 cm. with slight atrophy of calf or thigh muscles |
12 |
|
|
|
30. |
Shortening of 3 to 6 cm. with either joint lesion or disturbance of weight-bearing point |
11 |
|
|
|
31. |
Irregular union fracture with joint stiffness and with shortening of 6 to 9 cm. producing permanent lameness |
9 |
|
|
|
32. |
Irregular union of fracture in a thigh or leg with shortening of 6 to 9 cms. |
10 |
|
|
|
33. |
Failure of fracture of hips to unite |
1 |
|
|
|
34. |
Failure of fracture of a hip to unite |
3 |
|
|
|
35. |
Paralysis of both lower extremities |
1 |
|
|
|
36. |
Paralysis of one lower extremity |
3 |
|
|
|
37. |
Scar the size of a palm or larger left on an extremity |
14 |
SCHEDULE OF DISABILITY ALLOWANCES | |
Impediment Grade | Maximum Rate |
|
|
1 | 100.00% |
2 | 88.00% |
3 | 78.36% |
4 | 68.66% |
5 | 58.96% |
6 | 50.00% |
7 | 41.80% |
8 | 33.59% |
9 | 26.12% |
10 | 20.15% |
11 | 14.93% |
12 | 10.45% |
13 | 6.72% |
14 | 3.74% |