Page 11 - Binder2

PUBLIC SECTOR
POLICY SCHEDULE

Compensation

Serious injuries include but are not limited to

(i) Spinal Cord Injury – e.g. paraplegia quadriplegia tetraplegia

(ii) Amputations - requiring a prosthesis

(iii) Brain damage affecting mentality or central nervous system including but not limited to
permanent disorientation behaviour disorder personality change seizures motor deficit
inability to speak (Aphasia) hemiplegia or unconsciousness (Comatose)

(iv) Blindness

(v) Burns involving over 10% of body with third degree or 30% with second degree

(vi) Multiple fractures involving more than one member or non-union

(vii) Fracture of both heel bones (Fractured or Bilateral OS Calcis)

(viii) Nerve damage causing paralysis and loss of sensation in arm and hand (Brachial
Plexus Nerve Damage)

(ix) Massive internal injuries affecting body organs

(x) Injury to nerve at base of spinal canal (Cauda Equina) or any other back injury resulting
in incontinence of bowel and/or bladder

2. The Named Insured shall establish and maintain a Case Reserve with respect to each claim or
potential claim and shall revise such Case Reserve from time to time on the basis of developments
and facts known at the time of such revision or as directed by the Company The Case Reserve shall
reflect the likely reasonable and realistic exposure at the time of calculation

3. The Company must approve in writing in advance any claim administrator(s) the Named Insured
utilises for claim handling services

Where the Named Insured utilises a claim administrator(s) for claim handling services the
undertakings in General Condition 6(b) and 6(c) shall be observed and complied with between the
Named Insured and such claim administrator(s) in the same manner as if the claim administrator(s)
were the Company

Where the claim or potential claim is subject to the undertakings within paragraph 1 above then the
Named Insured (and/or such claim administrator(s) as agent of the Named Insured) shall forward
documents to the Company as required under General Condition 6(b) and 6(c)

4. When a claim has been settled or adjudicated the Named Insured will promptly pay the amount of such
claim up to the amount of the Deductible to the party to whom the payment is due

For the avoidance of doubt in connection with the obligation under this paragraph 4 the applicable
Deductible will be applied separately to each claim first as respects the payment of loss and then to the
payment of Claim Investigation Expenses

5. the Named Insured will have no authority to pay or agree to pay any amount of a claim or potential
claim greater than the amount of the Deductible without the Company's prior written consent

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