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In case you get totally and permanently disabled, you will receive the following:
  • 100% of the Total Benefit Amount; or
    • 50% of the Total Benefit Amount if as a result of an expanded accident
      Also, the disability should fall into any of the following classifications:
      • Functional Disability
          • A state or condition that prevents a person from performing at least 3 of the 6 Activities of Daily Living (ADL), which are (i) washing, (ii) dressing, (iii) transferring, (iv) mobility, (v) toileting, and (vi) feeding.
        • Presumptive Disability
            • A state or condition where you suffer total and irrevocable loss of (i) the entire sight in both eyes, or (ii) the use of any two limbs at or above the wrist or ankle, or (iii) the entire sight in one eye and the use of any one limb at or above the wrist or ankle.
          • Occupational Disability
              • A state or condition where you are unable to perform:
            • your current occupation; or
              • any occupation where you can earn more than half of your income prior to being disabled.
              The following are considered as expanded accidents. These are accidents that happen:
              • while you are at work as a Licensed Pilot, Helmsman or Paid Driver;
                • while you are in a commercial land vehicle, aircraft, or water-borne craft but not as a fare-paying passenger
                  • during any of the following incidents:
                    • Body Boarding
                      • Canoeing
                        • Paragliding
                          • Canopy Piloting
                            • Legal Road Racing
                              • Kite surfing
                                • Wind Surfing
                                  • Ballooning
                                    • Parachuting
                                      • Legal Water Racing
                                        • Jet Skiing
                                          • Hang Gliding
                                            • Gliding
                                              • Skydiving
                                              • during any act of terrorism
                                                • during any nuclear, biological, and chemical attacks/warfare
                                                  For (d) and (e), the amount of benefit may be adjusted or payment may be delayed.
                                                    Other things you need to know
                                                    • You must have an occupation within 6 months before the time of the incident that caused the disability. You must have been in that occupation for at least 6 months.
                                                    • A disability will only be considered total and permanent if:
                                                      • it persists for at least 6 months from the date of disability, or
                                                      • if an attending physician certifies that the person will not recover from the disability in the next 5 years.
                                                    In case you pass away, we will pay the beneficiary/ies 100% of the Total Benefit Amount.