SECTION D - VITAL INCOME PROTECTION BENEFIT DEFINITIONS
TOTAL DISABILITY 1
Means a period of injury or sickness commencing when the Life Assured first received advice from a Medical Practitioner for that injury or sickness provided that: A The Life Assured is under the regular and personal care of a Medical Practitioner ; and B The Life Assured is not engaged in any occupation from which the Life Assured derives Income ; and C The Life Assured is unable to: perform at least one (1) important income producing duty of their own occupation as a result of a Critical Illness and is not working in their own occupation; or follow their own occupation as a result of a Critical Illness event for more than ten (10) hours per week.
Totally Disabled has a corresponding meaning.
D The Life Assured's injury or sickness is supported by clinical evidence and approved by our Us . E The injury or sickness is as a result of one of the Critical Illnesses listed below. No Benefit will be payable where the ongoing cause of disablement ceases to be the Critical Illness that gave rise to that claim, that is, where the ongoing cause of the disablement becomes a secondary illness not included in our Critical Illness definitions (defined in Clause 12 “Critical Illness” below). Secondary illnesses may include, but are not limited to, the following: mental illness, depression, fatigue, cognitive impairment etc. Means a disability resulting from a serious injury or sickness which results in the Life Assured having returned to work in a reduced capacity. The reduction in work capacity must be as a result of the continuation of the disability. The Partial Disability must be supported by an appropriate Diagnosis from a Medical Practitioner and evidence acceptable to Us and is subject to the following conditions: A The Life Assured’s Monthly Income is less than 75% of their Pre-Disability Income ; and B The Life Assured is under the regular and personal care of a Medical Practitioner, and . The Life Assured is not Totally Disabled, and D C
PARTIAL DISABILITY
2
The injury or sickness is as a result of one of the Critical Illnesses listed in Clause 12 “Critical Illness” below. This Benefit is only payable on the first Diagnosis of a Critical Illness . Subsequent Critical Illnesses do not generate an additional Benefit . The Life Assured is actively working in a reduced capacity. Shall mean any person approved by Us registered with the Medical Council of New Zealand to render medical or surgical services, and who holds an Annual Practising Certificate. For Diagnoses made outside New Zealand, this definition covers any appropriately qualified medical professional approved by Us . This definition excludes any person who is himself/herself the Life Assured or Policy Owner , the spouse, de facto spouse, Civil Union partner, lineal relative, or business partner/associate of the Life Assured or Policy Owner. The Benefit specified in the Policy Schedule or 75% of the average annual Pre-Disability Income of the Life Assured , whichever is the lesser.
E
MEDICAL PRACTITIONER
3
BENEFIT
4
PC-VIP-05/2019
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