TPD Insurance

TPD Insurance becomes payable if you are totally and permanently disabled as a result of an accident, illness or disease which prevents you from engaging in your own occupation or any other occupation for which you are reasonably qualified as assessed by the insurer and based on the policy definition.

The 2 key TPD definitions are:

Own Occupation – You are absent from active employment for a specified period of time to an extent that it will be unlikely you will be able to engage in your own occupation ever again; and

Any Occupation – You are absent from active employment for a specified period of time to an extent that it will be unlikely you will be able to engage in any occupation for which you are suited by education, training or experience, ever again.

TPD Insurance recognizes how valuable your health is – protecting your lifestyle if you are disabled as a result of sickness or injury.  This money can be used to eliminate your debts, pay any ongoing medical expenses, and make any necessary modifications to your home.

TPD can be taken as a stand alone policy, or as an optional extra on Life and Trauma Cover.