Conditions:  Total and Permanent Disability In the event of total and permanent disability before age 70, one lump sum payable under all policies with us on any one life is up to RM1 million. Any excess will be paid on the anniversary of the disability subject to proof of continued disability. Upon earlier death, the balance shall be payable. The maximum payable under all policies on any one life is RM4 million plus bonuses (if any). Total and permanent disability shall means: -while aged sixteen (16) years but below the age of sixty-one (61) years (a) becomes permanently and completely unable to engage in any occupation and is permanently and completely unable to perform any      work for remuneration or profit; or  (b) totally and irrecoverably loses sight in both eyes; or © totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle;      or (d) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or      ankle.                                                              -while aged sixty one (61) years but below the age of seventy (70) years, the Life assured/Assured/Spouse shall mean confirmation by a Consultant Physician of the loss of independent existence lasting for a minimum period of 6 months and resulting in a permanent inability to perform at least three (3) of the following Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word "permanent", shall mean beyond the hope of recovery with current medical knowledge and technology. (a) Transfer (b) Dressing   © Mobility    (d) Bathing/Washing   (e) Eating    (f)  Continence
This post has been edited by Calvin Ong: Jun 11 2013, 02:15 PM