Total and Permanent Disability

If the Insured Person sustains any of the following situations, benefit payment will be made in accordance with the Policy provision:

  1. Suffering the total and permanent loss of use of two limbs or loss of sight of both eyes or the permanent loss of use of one limb and loss of sight of one eye; or
  2. Having been absent from employment with the Policyowner through disability for 6 consecutive calendar months and having become incapacitated to such an extent as to render the Insured Person unlikely ever
  • to resume work or to attend any gainful professional or occupation; or


  • to engage for reward or profit in any occupation, business or professional for which he/she is fitted or qualified by experience, training, ability or knowledge


Flexible Options


The following 5 benefit options are available for you to choose and include in the tailor-made plan satisfying your needs. Pick your choice and pick it NOW!


  1. All information here is for reference only. All details of coverage will be subject to terms and conditions of the policy provisions.
  2. Please seek independent professional advice if necessary.