SECTION D - BUSINESS CONTINUATION COVER 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 other occupation from which the Life Assured derives income; and C The Life Assured is unable to: • perform at least one important income producting duty of their occupation and is not working in their occupation; or • follow their occupation for more than ten (10) hours per week. Inability to perform the Life Assured's occupation is defined by reference to the occupational class specified in the Policy Schedule as follows: Occupation Classes 1, 2 & 3: Inability to follow one's own occupation 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 Us . E The condition resulting in the Total Disability must have first Manifested itself after the Policy Commencement Date shown in the Policy Schedule , or the date of any reinstatement or increase of the Policy . Means the monthly Benefit , paid monthly, specified in the Policy Schedule . This Benefit will not be reduced by any other income replacement benefits being received by You in respect of the Life Assured .
BENEFIT
2
OFFSETS
3
BENEFIT PERIOD
4
Means the Benefit Period specified in the Policy Schedule .
WAITING PERIOD
5
Means the Waiting Period specified in the Policy Schedule of continuous Total Disability which must elapse from the date upon which the Life Assured first received medical advice from a Medical Practitioner in respect of that disability before the monthly Benefit becomes payable.
(INSIGHT 35.0.0 May 2019)
BCP-BCC- 05/2019
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