Permanent total disability (PTD): means becoming totally disabled for lifetime viz. paralysis of all four limbs
Permanent partial disability (PPD): means becoming partially disabled for lifetime viz. loss of fingers, toes, phalanges etc
Temporary total disability (TTD): means becoming totally disabled for a temporary period of time.
If a person has more than one policy with different insurers, in the event of accidental death, PTD or PPD, claims would be paid under all the policies.
Independent organizations for managing health insurance claims are known as the TPAs or Third party administrator appointed by Insurers
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