Hand – Thumb Injury – Minor

Short-term, severe pain gone within 3 months.

Hand – Thumb Injury – Moderate

Covers fractures with recovery within 6 months, damage to nerves or tendons resulting in partial loss of sensation, and cosmetic thumb deformities.

Hand – Thumb Injury – Severe

Partial/complete amputation of the thumb, surgical wire insertions, nerve damage, fractures, inability to grip.

Hand – Finger Injury – Minor

Includes: full-healed fractured finger bones (healed within 1 year) with/without minor scarring.

Hand – Finger Injury – Moderate

Includes: complete (or almost complete) recovery after broken finger, amputation or loss of a part of the little finger.

Hand – Finger Injury – Severe

Includes: complete amputation of one/more fingers, fractures of the index finger. Compensation depends on level of disability and suffering.

Hand – Hand Injury – Minor

Covers lacerations and crush injuries, and soft tissue injuries (recovery within 6 months).

Hand – Hand Injury – Moderate

Covers penetrating wounds and crush injuries resulting in permanent but non-intrusive symptoms, or soft tissue damage and deeper cuts resulting in impairment of the hand (may require surgery).

Hand – Hand Injury – Severe

Covers amputation and rejoining of several fingers, resulting in a clawed, impaired, or unsightly hand, amputation of one/both hands (alternatively, amputation of several fingers rendering the hand almost useless).