Interesting interpretation. I like it.- Permanent injury with dismemberment: can be healed with the rank 2 healing spell if you still have the body part! The healing spell has to be cast within the time limit and has to be performed on a fresh wound, with a decently fresh body part (not too rotten etc). So basically it's okay to bind the wound and get to a healer asap, but you can't perform lesser healing magic on it to stop the bleeding and then a week later go to a better healer and get the arm "glued back on".
Since the rules are silent on the subject of healing lopped off body parts, would you allow healing the part instead of the person? I can see some amusing uses for this...