Bodily injury sustained by an insured person during the scope of cover which within twelve calendar months results in:

The benefits payable will be the following percentage of the Capital Benefit specified in the schedule

1

Death (limited to 20% of the Capital Benefit in the schedule for insured Persons under 18 years of age)

100%

2

Permanent quadriplegia

100%

3

Permanent paraplegia

100%

4

Permanent total loss of sight

two eyes

one eye

100%

50%

5

Permanent total loss of hearing

two ears

one ear

75%

25%

6

Permanent total loss of use of

two arms

one arm

75%

35%

7

Permanent total loss of use of

two legs

one leg

75%

35%

8

Permanent total loss of use of

two + fingers

two fingers

one finger

one thumb

40%

14%

4%

5%

9

Permanent total loss of use of

two + toes

two toes

one toe

40%

14%

4%

10

Permanent total loss of

two kidneys

one kidney

spleen

liver

two testicles

one testicle

sexual function

75%

30%

25%

70%

40%

6%

45%

11

Total & permanent disfigurement shortening of leg

For the purposes of this Event 11 only, 'disfigurement' means disfigurement that extends to more than 20% of the entire external body. The total percentage paid to be at the Insurers sole and absolute discretion.

7% up to 45%

12

Any permanent total disability or permanent total loss of use of any body part not shown above will be compensated as a percentage of the Capital Benefit as determined at the sole and absolute discretion of the insurer. Such determination will not be inconsistent with the benefits provided under Events 4-11 inclusive.

up to 90%

13

Becoming HIV positive but cover for this event is only provided if the infection was as a direct result of playing or participating in the sport nominated in the schedule.

10%

14

Actual non-Medicare medical expenses incurred following accidental miscarriage or premature childbirth up to maximum 26 weeks of pregnancy. Cover for this event is only provided if the miscarriage or childbirth was as a direct result of playing or participating in the sport nominated in the schedule. Event 14 is subject to deduction of the excess specified in The schedule for medical benefits.

up to 5%