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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.
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