Total Permanent Disablement Insurance
What is Total Permanent Disablement (TPD) insurance?
If you become permanently disabled, or unable to work from the impact of an accident or illness, you need TPD insurance to look after your household’s finances and future.
Why do I need this insurance?
Permanent disability can impact your life and family’s life. It can permanently stop your income, your daily life routines such as doing housework and playing sports, earning income from your job. The lifestyle you had before the permanent disabilities, can be extremely costly to maintain for you and your family.
With TPD insurance, you will receive a lump sum payment to help you pay loans or your mortgage, medical bills, basic needs cost, house alterations and other costs so you can concentrate on readjusting your life with peace of mind.
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TPD Insurance Packages
Permanent Disability
Specific job in a Specific industry
If you are unlikely to work in your current job or the similar field due to being physically or mentally incapacitated, you will receive a lump sum payment.
Permanent Disability
For every job in every industry
If you are unable to work due to being so incapacitated or unlikely to ever work again, this package will provide you with a lump-sum pay-out.
TPD Insurance Benefits
Lump-Sum Payment
TPD insurance cover costs such as expensive medical care, hiring a caretaker, ongoing household expenses.
Get an additional 25% of Sum Assured in certain circumstances
In some situations, such as loss of eyesight, you will be granted 25% of the sum Assured as a pay-out.
Receive funding to adapt to a new lifestyle
You will receive funding to help adapt to your new lifestyle by helping you modify your home or your car. Specialist medical equipment can also be purchased to help you adjust to your new environment.
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