Total and Permanent Disability (TPD) Cover pays a lump sum if you become permanently unable to work due to illness or injury and meet your policy's definition of disability.

Standalone and Accelerated describe how Trauma or TPD Cover is structured alongside your Life Cover.

Own-Occupation and Any-Occupation are different definitions used in Total and Permanent Disability (TPD) Cover to determine whether you meet the requirements for a claim.

Trauma Cover and TPD Cover may both provide a lump-sum payment, but they protect against two very different risks.

The definition used in your Total and Permanent Disability (TPD) policy can have a major impact on your ability to claim. Understanding whether you have Any-Occupation or Own-Occupation Cover helps ensure your insurance aligns with your needs and expectations.

Own-Occupation is a definition used in some Total and Permanent Disability (TPD) policies. It means you may be eligible to claim if you're permanently unable to perform the duties of your own occupation, even if you could work in a different role.

Accelerated means that your Trauma Cover or Total and Permanent Disability (TPD) benefit is linked to your Life Cover. If a claim is paid, the amount paid reduces the remaining Life Cover.

Standalone where Trauma Cover or Total and Permanent Disability (TPD) Cover operates independently from your Life Cover. This means making a claim doesn't reduce your Life Cover benefit.

The sum insured is the maximum amount your insurer will pay under your policy if a valid claim is approved.