Permanent Partial Disability Cover Explained

Permanent partial disability cover explained, what it includes & why it is a must-have term insurance add-on.

Written by : Knowledge Centre Team

Last published : 2026-01-29

Permanent Partial Disability Cover

Partial disabilities refer to loss of use of one organ or partial loss of us. However, to fall under this classification, the disability has to be permanent. When a policyholder witnesses such a situation, their life insurance policy with permanent partial disability cover comes into force. Benefits are paid to help the policyholder or Life Assured under the policy.

For example:

  • Permanent loss of sight in one eye.
  • Loss of one hand due to severance at or above the wrist, etc.

Also, the loss is not recoverable and stays with the person for life or at least for a very long time, affecting their life.

Also Read - Short term vs Long term Disability Insurance.

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Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

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