单词 | Wholly disabled |
释义 | 完全傷殘 In relation to an insured individual, unable to perform one’s usual work duties or the most substantial part of one’s business as he or she is suffering from a mental or physical disability: Cathay Pacific Airways Ltd v Nation Life and General Assurance Co Ltd [1966] 2 Lloyd’s Rep 179. Therefore, the right to recover may depend upon the insured’s occupation. In such a case the assured may be wholly disabled although he is able to attend to some details of his business. Thus, a solicitor who is confined to his room by reason of a sprained ankle is wholly disabled although he is able to give directions to a clerk or dictate letters; it is sufficient that he is wholly disabled from performing the most substantial part of his business: Hooper v Accidental Death Insurance Co (1860) 5 H & N 546. Also known as ‘totally disabled’ or ‘total disability’. 受保人因心智不全或肢體殘疾,而不能履行其通常的工作職責,或不能完成最基本的個人事務:Cathay Pacific Airways Ltd v Nation Life and General Assurance Co Ltd [1966] 2 Lloyd’s Rep 179。因此,追回權將取決於受保人的職業。在此情況下,受保人雖能專注於若干個人事務詳情,但已完全傷殘。因此,當一名律師因腳踝扭傷而閉門休養時,雖然他能夠向書記作出指示或口授函件,但其已完全傷殘;這足以證明其已完全傷殘,不能完成最基本的個人事務:Hooper v Accidental Death Insurance Co (1860) 5 H & N 546。另稱‘totally disabled’或‘total disability’。 |
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