Permanent Disability Cover

What is it?
This option pays out a lump sum if you've been declared by a doctor as being unable to ever perform 2 of the following activities without the assistance of another person or using special equipment:

You can choose your cover level between $50,000 and $500,000.

Who is it for?
The Permanent Disability option is available to those aged 18-60 and cover continues to the policy anniversary after you turn age 75.

How does it work?
If you're deemed to be permanently unable to perform 2 of the above activities, we'll pay your chosen lump sum six months after the date of the disabling sickness or injury.

When is a benefit not payable?
A Pre-existing Medical Exclusion applies when Permanent Disability Cover is purchased with our Quick & Easy option. That means, if your cause of claim is due to something you've suffered from, knew about or should have been aware of in the 5 years prior to policy commencement, you will not be covered.