TPD (Total & Permanent Disability) Insurance

Lump sum if you become permanently disabled

Provides financial support if you’re unable to ever work again due to a serious injury or illness. Helps cover ongoing care or adjust to changed circumstances.

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Key Benefits

Why choose this insurance coverage

Long-Term Support

Lump sum can fund home modifications or medical equipment.

Standalone or Combined

Often packaged with Life or Trauma insurance.

Frequently Asked Questions

Common questions about tpd (total & permanent disability) insurance

‘Own occupation’ pays if you can’t do your specific job; ‘any occupation’ is stricter, requiring inability to do any job.

TPD covers permanent disability, while Income Protection covers temporary disability.

Some policies include rehabilitation benefits to help you return to work.

Exclusions vary, but common exclusions include self-inflicted injuries or disabilities from pre-existing conditions.