Partial reduction in ability to do things and work that one could when in full health. The degree of disability will vary with the severity of the injury or illness. A provision generally found in accident and occasionally in sickness policies designed to offer some indemnity benefit if the insured cannot perform fully all the important daily duties of his occupation. This is a situation where as a consequence of the accident part of a body such as a finger, arm or leg) is permanently severed from the body. Although a part of body is permanently lost, yet the person will be in a position to attend to his duties partially if not to the same extent as before once the wound is healed completely and the person otherwise fit enough to attend.