SECTION C - VITAL INCOME PROTECTION BENEFITS
TOTAL DISABILITY BENEFIT
1
If the Life Assured: is Totally Disabled as a result of the occurrence of a Critical Illness as defined below, We will pay, following the Waiting Period , the monthly Benefit for such period as the Life Assured remains Totally Disabled up to the Benefit Period or until the Life Assured is no longer Totally Disabled , whichever is the sooner. This is a monthly Benefit payable in arrears subject to receipt of a progress report completed by the Life Assured and a Medical Practitioner . Payment of the Total Disability Benefit is always subject to Clause 5 “Offsets” under Section D of this Policy . Subject to the following conditions: The Critical Illness commenced before the Life Assured reached age sixty-five (65). The Vital Income Protection Benefit Total Premium has been paid. For those conditions underlined in Section E below, We will pay the Benefit provided the Life Assured first suffers that condition at any time after ninety (90) days from the Policy Commencement Date shown in the Policy Schedule , or the date of any reinstatement or increase (other than Consumer Price Index Increases ) of cover. To be covered, the Critical Illness condition must have first Manifested itself at least ninety (90) days after the Policy Commencement Date shown in the Policy Schedule , or the date of any reinstatement, commencement of a benefit, or increase (other than Consumer Price Index Increases ) of the Policy .
A
B
C
This provision is always subject to Clause 2 “Survival For At Least Fourteen (14) Days” below. D For those conditions not underlined in Section E below, We will pay the Benefit provided the Life Assured is still alive fourteen (14) days after the event causing the claim subject to the terms under Clause 2 “Survival For At Least Fourteen (14) Days” below. To be covered, the Critical Illness condition must have first Manifested itself after the Policy Commencement Date shown in the Policy Schedule , or the date of any reinstatement, commencement of a benefit, or increase (other than Consumer Price Index Increases ) of the Policy . E The Critical Illness is one of the following illnesses included within the definition of Critical Illness in Clause 12 “Critical Illness” under Section D below:
Heart Attack
Stroke
Coronary Artery Bypass Surgery Heart Valve Surgery Surgery to Aorta Pulmonary Arterial Hypertension (Primary) Major Organ Transplant Kidney Failure Critical Cancer Multiple Sclerosis Parkinson's Disease Alzheimer's Disease Dementia
PC-VIP-05/2019
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