Group Accident Death & Disablement Benefit (US Scale)            Group AD&D and Disablement Benefit is a Supplementary Contract in conjunction with and forming a part of Group Life Policy (Basic Policy). This coverage is to indemnity for death, disablement and total & permanent disability of insured member as a result of accidental injury. Coverage ............... .This benefit covers 24 hours all over the world for insured member who suffers the above losses as a result of accident occurred in and out of occupation and such accidental injury must arise within 180 days from the date of accident. Benefits              Within 180 days from the date of accident occurred to Insured Member, if he suffers an accident injury effected directly from all other external & violent causes with evidence of a visible contusion or wound on exterior of the body, except in case of drowning or internal injury revealed by an autopsy, AIA, on receipt and approval of proof, will pay an indemnity for any loss specified in the following Schedule of Indemnities to the assured employee. (In case where the injury results in more than one loss, AIA will pay indemnity only in respect of the largest amount sustained). Schedule of Indemnities   Percentage of Principal Sum 1. Loss of Life 100 % 2. Loss of two or more Limbs 100 % 3. Total and irrecoverable loss of entire sight in both Eyes 100 % 4. Total and irrecoverable loss of entire sight in one Eye and loss of one Limb 100 % 5. Loss of One Limb 60 % 6. Total and irrecoverable loss of entire sight in One Eye 60 % "Loss of Limb (s) " shall mean loss by amputation at or above wrist (s) or ankles (s), or total and irrecoverable loss of use of such limb (s) caused by such injury direct to such Limb (s) Double Indemnity Benefit The indemnities payable under Section 2 above shall be doubled of the benefit specified in the Schedule if the Insured Member sustains losses caused by any one of the following occurrences: (a) Riding as a fare paying passenger within any mechanically propelled non-aerial public conveyance licensed to carry passengers over an established land route; or Riding as a passenger in an elevator car excluding elevators in mines or in constructions; or (b) Injury or Death as a result of the burning of any theater, hotel or other public buildings in which the Insured Member shall be at the commencement of the fire. Permanent Total Disability           When as a result of injury commencing within 180 days from the date of accident, Insured member suffers total and permanent disability to prevent him from engaging in any gainful occupation or employment and such disability continues for 12 consecutive months, AIA will pay 10 % of balance of the principal sum after deducting any other amounts which have been paid or should be payable to the Insured Member under this Supplementary Contract as a result of the same accidental injury. Add, at the end of 12 month after the payment of the initial amount ( 10 % ), such disability still exists, AIA will then pay in lump sum the remaining 90 % of the above balance to the Insured Member or if the Insured Member die within such a period the remaining 90 % will then be paid to his designated beneficiary. Risked Excluded (a) self - destruction or intentional self - inflicted Injuries or any attempt threat ; (b) war, declared or undeclared, revolution or any warlike operations ; (c) riot and civil commotion, strikes or terrorist activities ; (d) violation or attempted violation of the low or resistance to arrest except for petty offence or offence committed by negligence ; (e) entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device, or conveyance except while the Insured Member is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; (f) racing on horse or wheels.