Total and permanent disablement inurance

Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury.

Most people use Total and Permanent Insurance for:

Paying for their spouse or another family member to take time off work, allowing them to provide extra help and support.
Making lifestyle changes, such as relocating, modifying their home, or clearing debts including credit cards, personal loans, and mortgages.
Paying for additional expenses, such as travel to medical appointments or extra childcare costs.
Paying off their mortgage or other debts.
Putting it towards everyday living expenses, as their income often reduces.

Total and Permanent Disablement Insurance benefits

01 Total and permanent disablement cover

Pays a lump sum if you become permanently disabled, including if you can’t return to work because of sickness or injury.

02 Single loss of limb or eye

Pays 25% of your cover if you lose a limb or an eye.

03 Financial planning

We will pay for your family to receive professional advice from an approved financial planner. This helps your family decide the best way to use the money they will receive.

04 Grief support

We will pay to help with the cost of professional grief support during the grieving process.

05 Total and permanent disablement fast track

For some medical conditions, we pay out quicker so you can get immediate care.

Optional benefits you can choose to include:

Kids Cover

Lets you cover your kids too.

We pay your premiums

We pay your Total and Permanent Disablement premiums if you can’t work more than 10 hours per week due to illness or injury.

Needlestick

Covers medical workers who contract Hepatitis B or C or HIV during work.

Specific Injury Support Benefit

Lump Sum Support when you need it. Receive this benefit if you suffer any of 29 specified injuries (ranging from broken bones to paralysis).

The benefit is payable even if you are still able to continue working. Check the policy document for the full list of injuries and payment periods.

Financial support when you need to adjust to a new way of life

Total and Permanent Disablement Insurance can provide financial support if illness or injury leaves you permanently disabled, helping you manage your financial needs and adjust to life ahead.

Frequently asked questions

Does this pay me a regular income if I am unable to work?

This type of insurance gives you a one off lump sum payment if you permanently can’t work. If you’re after a regular income you should take a look at Income Protection. This can pay you a portion of your income each month until you can return to work.

Resources and forms

Total and Permanent Disablement Insurance Brochure

Download

Total and Permanent Disablement claim form

View all documents and forms

This type of insurance gives you a one off lump sum payment if you permanently can’t work. If you’re after a regular income you should take a look at Income Protection Insurance. This can pay you a portion of your income each month until you can return to work.

Income Protection Insurance

Income Protection Insurance helps you pay the bills until you can work again.

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Insurance

For Customers

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Important Information

Total and Permanent Disablement cover

Total and Permanent Disablement Insurance

Disablement is life changing. Total and Permanent Disablement Insurance can provide a financial injection to help make lifestyle changes if you become totally and permanently disabled due to sickness or injury.

Total and Permanent Disablement Insurance benefits

01

Total and permanent disablement cover

02

Single loss of limb or eye

03

Financial planning

04

Grief support

05

Total and permanent disablement fast track