What is permanent total, partial and temporary disablement?

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Permanent disablement is when someone sustains injuries that prevent them from being employed and causes disability for life. This must have occurred during the last 12 months before entering into the policy. Permanent partial disablement results from the loss of a limb or ability for life. Temporary total disablement is when a person cannot go to work for a temporary period during which there is a loss of income. Personal accident policies offer cover against these conditions. Compare insurance online  for the best cover.