Continental

English translation: a type of scale

17:08 Apr 14, 2020
English language (monolingual) [PRO]
Bus/Financial - Insurance
English term or phrase: Continental
I am not sure what is meant exactly by 'Continental' in the following context:

"If the insured member suffers permanent partial disablement as a result of an accidental cause, [Company] will pay a percentage of a Sum Insured amount to the insured member according to the Continental Scale of Disabilities".
Muhammad Atallah
Egypt
Local time: 23:53
Selected answer:a type of scale
Explanation:
Used in Personal Accident policies, the Continental Scale is an extension of the “Loss of Limbs or Eyes” benefit and provides cover for the loss of things like body parts with a reduced sum payable.


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Note added at 4 hrs (2020-04-14 21:44:06 GMT)
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Asker: I think it may have originally referred to the European continent (allowing them to keep things uniform).
Selected response from:

Katya Kesten
Local time: 16:53
Grading comment
Thank you!
4 KudoZ points were awarded for this answer



SUMMARY OF ALL EXPLANATIONS PROVIDED
3 +3a type of scale
Katya Kesten
5it is the scale that offers more information/ when you want to highlight physical, environmental or
Abdullah Ahmad
4 -2external organs disabilities
Hasan GENC
Summary of reference entries provided
THE Continental Scale
Daryo
Continental Scale
Luis M. Sosa

Discussion entries: 1





  

Answers


36 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -2
continental
external organs disabilities


Explanation:
I put the phrase for "Continental Scale of Disabilities".

"A term used in a Personal Accident policy. It is an extension of the “Loss of Limbs or Eyes” benefit and adds cover for the loss of, for example, a hand, an ear or a toe with a reduced sum payable."

https://www.graybrook.co.uk/dist/pdf/glossary-of-common-insu...

Hasan GENC
Türkiye
Local time: 00:53
Native speaker of: Native in TurkishTurkish

Peer comments on this answer (and responses from the answerer)
disagree  Daryo: whatever refs you've found, you misinterpreted them + you completely ignored that it's a "scale", a type of list.
1 hr
  -> I didnt ignore i just wrote what it is meant as Mr. Atallah asked. And you are so harsh with your words I think.

disagree  AllegroTrans: the term is an adjective applied to "scale" - you have explained it with something else entirely
3 days 6 hrs
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26 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +3
continental
a type of scale


Explanation:
Used in Personal Accident policies, the Continental Scale is an extension of the “Loss of Limbs or Eyes” benefit and provides cover for the loss of things like body parts with a reduced sum payable.


--------------------------------------------------
Note added at 4 hrs (2020-04-14 21:44:06 GMT)
--------------------------------------------------

Asker: I think it may have originally referred to the European continent (allowing them to keep things uniform).


    https://www.graybrook.co.uk/dist/pdf/glossary-of-common-insurance-terms.pdf
Katya Kesten
Local time: 16:53
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4
Grading comment
Thank you!
Notes to answerer
Asker: Yes, it is a type of scale, but my question, actually, is: why is it described as "continental"?


Peer comments on this answer (and responses from the answerer)
agree  Mark Robertson
1 hr
  -> Thanks, Mark!

agree  Daryo
2 hrs
  -> Thanks, Daryo!

agree  AllegroTrans
3 days 7 hrs
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7 hrs   confidence: Answerer confidence 5/5
it is the scale that offers more information/ when you want to highlight physical, environmental or


Explanation:
The continental scale is the one used on a map to reflect a single continent, both geographically and when you want to highlight physical, environmental or temperature aspects.

Example sentence(s):
  • the most common use of this continental scale is political, it is also used for other types of representations, which help to know all the data at the continental level and to compare the different zones and countries.

    https://www.lifepersona.com/what-is-the-continental-scale-main-characteristics
Abdullah Ahmad
Egypt
Local time: 23:53
Native speaker of: Native in ArabicArabic
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Reference comments


2 hrs peer agreement (net): +1
Reference: THE Continental Scale

Reference information:
Annex A

Malicious Acts Insurance Policy (MAIP)

Continental Scale

The benefits payable hereunder in the event of permanent incapacity following an accident are
payable in the following proportions of the limit of the Capital Sum Insured not exceeding
US$500,000 for any one Insured Person:

Description (followed by) Percentage

1. Loss by severance of two limbs 100
2. Loss by severance of both hands or all fingers and thumbs of both hands 100
3. Loss of sight of both eyes 100
4. Paralysis of all limbs 100
5. Incurable insanity totally preventing any occupation 100

Loss by severance of:
6. One arm at shoulder 60
7. One arm between shoulder and elbow 50
8. One arm at elbow 47.50
9. One arm between elbow and wrist 45
10. One hand at wrist 42.50
11. Four fingers and one thumb of one hand 42.50
12. Four fingers of one hand 35
13. Phalanges of one thumb 20
14. One phalanx of one thumb 10
15. Three phalanges of one index finger 10
16. Two phalanges of one index finger 8
17. One phalanx of one index finger 4
18. Three phalanges of one middle finger 6
19. Two phalanges of one middle finger 4
20. One phalanx of one middle finger 2
21. Three phalanges of one ring finger 5
22. Two phalanges of one ring finger 4
23. One phalanx of one ring finger 2
24. Three phalanges of one little finger 4
25. Two phalanges of one little finger 3
26. One phalanx of one little finger 2
27. First or second metacarpal (each) 3
28. Third, fourth or fifth metacarpal (each) 2
29. One leg at hip 50
30. One leg between hip and knee 50
31. One leg below the knee 40
32. All toes of one foot 15
33. Both phalanges of one great toe 5
34. One phalanx of one great toe 2
35. Toe other than great – if more than one toe lost 1
36. Loss of one eye by removal 30
37. Loss of all sight in one eye 25
38. Loss of all sight in one eye other than perception of light 25
39. Loss of all the lens of one eye 20
40. Loss of all hearing in both ears 40
41. Loss of all hearing in one ear 7
42. Permanent disabilities not mentioned above shall be compensated in
accordance with their seriousness as compared with that of those mentioned.
Total and permanent loss of use of all or any member below any particular
point shall be deemed to be loss by physical severance of such member at
such point for all the purposes of this insurance.

Compensation for:
(1) any or all of the phalanges of the fingers and thumb of one hand in the aggregate shall not
exceed the compensation for the loss of four fingers of one hand.
(2) any or all of the phalanges of the fingers of one hand in the aggregate shall not exceed the
compensation for the loss of four fingers of one hand.

https://popp.undp.org/UNDP_POPP_DOCUMENT_LIBRARY/Public/HR_I...

Basically it's a list of how much various permanent losses are compensated in proportion to what is a "total 100% loss"

Why it should be called "Continental" is a bit of a mystery, but it seems to be used as a reference by insurance companies all over the world.

Daryo
United Kingdom
Native speaker of: Native in SerbianSerbian, Native in FrenchFrench
Note to reference poster
Asker: Thank you!


Peer comments on this reference comment (and responses from the reference poster)
agree  AllegroTrans: Agree that "continental" is a mystery, but it's an industry term apparently and therefore a "fixture"
3 days 4 hrs
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5 hrs
Reference: Continental Scale

Reference information:
See Katya’s and Dayro's reference and this one:
https://www.allianzebroker.co.uk/content/allianzebroker/en_g...

Example sentence(s):
  • Continental ScaleCompensation under Benefit 2 of the Schedule is extended to include the following Benefits provided thatthe Insured Person has survived for at least one month from the date of the Accidental Bodily Injury.
Luis M. Sosa
Ecuador
Specializes in field
Native speaker of: Native in SpanishSpanish
Note to reference poster
Asker: Thank you!

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