SECTION D - NEW TO BUSINESS 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’s injury or sickness is supported by clinical evidence and approved by Us ; and C The Life Assured is unable to perform at least one important income producing duty of the Life Assured's occupation and is not working in their occupation; and D Inability to perform the Life Assured's occupation is as follows: Occupation Classes 1, 2, 3 & 4 : Inability to follow one's own occupation for more than ten (10) hours per week. We will arrange assessments with an appropriately qualified health professional if this situation occurs. E The Life Assured is not working or engaged in any other occupation or business. F Totally Disabled has a corresponding meaning.
PARTIAL DISABILITY 2
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 . Subject to the following conditions: The hours worked by the Life Assured per week are less than 75% of the hours worked per week in the three (3) months immediately prior to being Total Disabled ; and The Life Assured is under the regular and personal care of a Medical Practitioner , and The Life Assured is not Totally Disabled . Means the monthly Benefit , paid monthly in advance, 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 .
A
B
BENEFIT
3
OFFSETS
4
BENEFIT PERIOD
5
Means the Benefit Period specified in the Policy Schedule .
WAITING PERIOD
6
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-NBC-05/2019
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