Total Permanent Disability (TPD) insurance provides a lump sum payment if the policyholder suffers a permanent disability and is unable to work. This payout can help cover medical costs, rehabilitation, home modifications, ongoing expenses, and debts.
Unlike income protection, which provides ongoing payments for temporary disabilities, TPD insurance offers a single payout when a permanent disability is confirmed.
The policyholder selects a coverage amount based on future expenses and financial needs.
If diagnosed with a permanent disability that prevents work, a lump sum payment is provided.
The payout can be used for ongoing medical care, living costs, loan repayments, and household modifications.
Our team helps individuals and families find the right coverage. We assist in selecting policies, explaining benefits, and guiding you through the claims process.
Consider current income, debts, and family expenses.
Decide between Own Occupation and Any Occupation coverage.
Understand conditions that may affect eligibility.
Submit an application and provide necessary health assessments.
Adjust coverage as financial needs change over time.
We make financial services easier by providing access to a network of insurers and lenders, simplifying the comparison process, and guiding users every step of the way.
TPD insurance pays a one-time lump sum if permanently unable to work.
Income protection provides regular payments for temporary disabilities.
