Sum Assured Means the Sum Assured for the Benefit(s) as set out in Your Policy Schedule . Total Premium Means the sum of the Premium and policy fee together with any applicable GST as specified in Your Policy Schedule . Usual Occupation Means the occupation predominately performed by the Life Assured in the 12 months prior to the sickness or injury . If the Life Assured has been unemployed or on long service, maternity leave, paternity leave or leave without pay for more than 12 consecutive months immediately prior to the sickness or injury causing Disability , Usual Occupation will be deemed to mean any occupation for which the Life Assured is reasonably suited by way of education, training or experience.
PC-IP- 05/2026
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