Permanent Disability Plus

Capital Sum Benefit

If you are unable to work for 12 months and your condition is Permanent, the sum insured is paid in full as a lump sum.

What Perils are Protected:

Accidents or Illness that cause Permanent Total Disability.

How the Benefits may be Structured:

There are 2 different policy types;

• a cheaper premium where the sum insured reduces gradually to age 65 as the need for cover reduces,
• a more expensive premium where the sum insured stays the same each year.

You choose the cover to suit your circumstances.

Elimination Period:

12 months and with a condition that is Permanent.

Excluded Benefits Summary:

• War, invasion, civil commotion or riots. Wilful exposure to exceptional danger.
• Disablement from accidents that occurred or illnesses that incepted before the policy was first purchased.
• Accidents which are the result of hazardous occupations or pursuits unless these have been noted and agreed in advance by the insurers (and any additional premium required has been paid).
• Self-inflicted injury
• AIDS, ARC or HIV
• The insured person being under the influence of alcohol or drugs
• Pregnancy, childbirth, miscarriage or abortion.
• Neuroses, or emotional diseases or disorders.