serious injury


serious injury

An injury sustained by a person in an accident and which (a) requires hospitalization for more than 48 h, commencing within seven days from the date the injury was received; or (b) result in a fracture of any bone (except simple fractures of finger, toes, or nose); or (c) involves lacerations which causes severe hemorrhage nerve, muscle or tendon damage; or (d) involve injury to any internal organ; or (e) involves second or third degree burns, or any burns affecting more than 5 percent of the body surface; or (f) involves verified exposure to infectious substances or injurious radiation (ICAO).