We can help provide financial peace of mind with a lump sum payment should you become totally and permanently disabled and unable to work.
Total Permanent Disablement (TPD) is where, as a result of accident or illness, you are so incapacitated that you: a. Cannot do your own job or (where applicable) another job to which your skills may be suited; or b. Suffer loss of limbs or sight; or c. Cannot perform at least two of the following activities without the physical assistance of someone else: – Bathing and showering – Dressing and undressing – Eating and drinking – Using a toilet – Moving from place to place by walking, in a wheelchair or with a walking aid.
Or, alternatively, you are unable to perform one of the activities noted above and your intellectual capacity has reduced or deteriorated to such an extent that you require permanent and constant
supervision. Please refer to the Total Permanent Disablement policy wordings (Personal or Business) for the exact criteria.