Permanent total disablement (PTD) cover
This cover is offered under personal accident policies, where the insured is usually offered 100% of the capital sum insured (CSI) in case he is permanently and totally disabled. The disability should be permanent and beyond any reasonable hope of improvement. However, the definitions of PTD (Permanent total disablement) vary. Some policies define PTD in anatomical terms. For instance loss of both eyes, loss of both arms, loss of both feet, etc., are treated as PTD entitling the insured to 100% CSI under the policy.
https://firstpolicy.com/perman....ent-total-disablemen
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