Loss of sight means the total and permanent loss of sight. A loss that may be corrected by surgery or lenses is not considered total and permanent. Loss of hearing means total and permanent loss in both ears. Loss of speech means total and permanent loss of speech. Loss of thumb and index finger of the same hand means complete and permanent severance through the joints joining the thumb and index finger to the hand.
Total paralysis means an injury to the spinal cord.
There will be a 12-month evaluation period to determine that the paralysis is total and not reversible. During that time, you must be under a physician's care from the date the paralysis began. War or act of war, whether declared or undeclared. Injury sustained while in the armed forces of any country or international authority. Riding as a passenger or otherwise in any flying device not having a valid and current standard Airworthiness Certificate, an unlicensed or improperly licensed pilot or on a flight requiring a special permit or waiver from the civil aviation authority.