Muscular Dystrophy
Paralysis (Quadriplegia, Paraplegia, Diplegia, Hemiplegia) Blindness Major Burns Loss of use of Limbs and Sight of one eye Accidentally Acquired HIV Major Head Trauma Coma Chronic Liver Failure Chronic Lung Disease Loss of Independence Cognitive Impairment Permanent Loss of Hearing Permanent Loss of Speech Aplastic Anaemia Benign Brain Tumour A Vital Income Protection Benefit will not be paid as a result of a Critical Illness event which within fourteen (14) days of sustaining that Critical Illness event either: A results in death of the Life Assured ; or B but for the use of artificial life support would in Our opinion have resulted directly or indirectly in the death of the Life Assured , unless the Life Assured is still living after fourteen (14) days following removal of the life support system. Successive periods of Total Disability resulting from the same or related cause within twelve (12) months of resuming work shall be considered a continuation of the same Total Disability and no Waiting Period shall apply. Such periods of recurrent Total Disability shall be added to the original Total Disability period for the purposes of applying the Benefit Period . We will pay a Partial Disability Benefit if the Life Assured is Partially Disabled (as defined in Clause 2 “Partial Disability” under Section D below) and the Waiting Period has elapsed. To allow Us to accurately assess the ongoing validity of a partial disability claim, the Partial Disability Benefit will be paid monthly in arrears from the end of the Waiting Period until the Life Assured is no longer Partially Disabled .
SURVIVAL FOR AT LEAST FOURTEEN (14) DAYS
2
RECURRENT DISABILITY BENEFIT
3
PARTIAL DISABILITY BENEFIT
4
This Partial Disability Benefit equals:
((A - B) / A) * C where
A = Average monthly Pre-disability Income B = Average monthly Post-disability Income C = The monthly Benefit amount
We will then subtract the total of any other income replacement or any other form of employer remuneration or sick leave entitlements being received for the Life Assured from any other sources in relation to the same disability. Payment of the Partial Disability Benefit is always subject to Clause 5 “Offsets” under Section D of this Policy . During a period of Total, Recurrent Disability or Partial Disability for which We have accepted a claim, all Total Premiums due will be waived by Us .
WAIVER OF PREMIUM
5
PC-VIP-05/2019
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