The phrase "irrecoverable loss" means a loss or damage that cannot be recovered or made right again. It refers to a situation where something valuable is lost permanently and cannot be regained. Full definition
The plan also does not provide any coverage in case of irrecoverable loss of eyesight loss of one hand or foot. (policybazaar.com)
If the insured person sustains bodily injury within 12 months from the occurrence of the accidental bodily injury which is caused due to accident solely and directly by external, violent and visible means resulting in irrecoverable loss of use of two hands or two feet, or of one hand and one foot, or of such loss of one eye sight and such loss of use of one hand or one foot, then the plan covers the same for full capital sum insured. (policybazaar.com)
On total and irrecoverable loss of sight of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot 100 % of sum insured is payable. (policybazaar.com)