Compensation

Category
Physical Injury

Compensation Amount (Effective as from 02 February 2024)
Maximum

(Rs)

A

Outpatient

100,000

B
Inpatient

200,000

C

Temporarily Disabled

600,000

D

Permanently disabled

1,400,000

D1

Total paralysis resulting from road traffic accident.

(1) Total loss of sight (100% of category D)

1,400,000

(2) Loss of 2 limbs (100% of category D)

1,400,000

(3) Loss of both hands (100% of category D)

1,400,000

(4) Loss of all fingers and both thumbs (100% of category D)

1,400,000

D2

Loss of arm

(1) At shoulder (75% of category D)

1,050,000

(2) Between shoulder and elbow (75% of category D)

1,050,000

(3) At elbow (75% of category D)

980,000

(4) Between wrist and elbow (70% of category D)

980,000

D3

Loss of hand at wrist (70% of category D)

980,000

D4

Loss of fingers

(1) All fingers of one hand (70% of category D)

980,000

(2) Four fingers (60% of category D)

840,000

D5

Loss of thumb

(1) Both phalanges and first metacarpal (36% of category D)

504,000

(2) Both phalanges (30% of category D)

420,000

(3) One phalanx (20% of category D)

280,000

D6

Loss of Index Finger

(1) Three phalanges and second metacarpal (21% of category D)

294,000

(2) Three phalanges (14% of category D)

196,000

(3) Two phalanges (11% of category D)

154,000

(4) One phalanx (9% of category D)

126,000

D7

Loss of Middle Finger

(1) Three phalanges and third metacarpal (15% of category D)

210,000

(2) Three phalanges (12% of category D)

168,000

(3) Two phalanges (9% of category D) 

126,000

(4) One phalanx (7% of category D)

98,000

D8

Loss of ring finger

(1) Three phalanges and fourth metacarpal (10% of category D)

140,000

(2) Three phalanges (7% of category D)

98,000

(3) Two phalanges (6% of category D) 

84,000

(4) One phalanx (5% of category D)

70,000

D9

Loss of little finger

(1) Three phalanges and fifth metacarpal (10% of category D)

140,000

(2) Three phalanges (7% of category D)

98,000

(3) Two phalanges (6% of category D) 

84,000

(4) One phalanx (5% of category D)

70,000

D10

Loss of metacarpals

(1) First or second (8% of category D)

112,000

(2) Third, fourth or fifth (3% of category D)

42,000

D11

Loss of hearing (both ears) (60% of category D)

840,000

D12

Loss of one eye (30% of category D)

420,000

D13

Loss of legs

(1) Both legs (100% of category D)

1,400,000

(2) Both feet (100% of category D)

1,400,000

(3) At or above knee (75% of category D)

1,050,000

(4) Below knee (65% of category D)

910,000

(5) Loss of foot (60% of category D)

840,000

(6) Midfoot (35% of category D)

490,000

(7) All toes of a foot (20% of category D)

280,000

D14

Loss of great toe

Both phalanges and first metatarsal (23% of category D)

322,000

Both phalanges (14% of category D)

196,000

One phalanx (3% of category D)

42,000

D15

Loss of second toe

(1) Three phalanges and second metatarsal (7% of category D)

98,000

(2) Three phalanges (3% of category D)

42,000

(3) Two phalanges (2% of category D)

28,000

(4) Two phalanges (2% of category D)

14,000

D16

Loss of third toe

(1) Three phalanges and third metatarsal (7% of category D)

98,000

(2) Three phalanges (3% of category D)

42,000

(3) Two phalanges (2% of category D)

28,000

(4) One phalanx (1% of category D)

14,000

D17

Loss of fourth toe

(1) Three phalanges and fourth metatarsal (7% of category D)

98,000

(2) Three phalanges (3% of category D)

42,000

(3) Two phalanges (2% of category D)

28,000

(4) One phalanx (1% of category D)

14,000

D18

Loss of fifth toe

(1) Three phalanges and fifth metatarsal (7% of category D)

98,000

(2) Three phalanges (3% of category D)

42,000

(3) Two phalanges (2% of category D)

28,000

(4) One phalanx (1% of category D)

14,000

D19

Loss of metatarsals

(1) First (10% of category D)

140,000

(2) Second, third, fourth or fifth (4% of category D)

56,000

E

Death

1,500,000

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