What is Total and Permanent Disability (TPD) Insurance?

TPD provides a lump sum benefit in the event that you become totally and permanently disabled.  Where you suffer a total and permanent disablement which prevents you from being able to work or perform basic living activities, TPD will generally be payable.  Definitions for total and permanent disablement vary between product providers.  A TPD definition may include the total and permanent loss of the use of your limbs or loss of sight of both eyes.

What is Trauma Insurance?

Trauma cover is designed to provide a lump sum payment if you suffer a specified condition for the first time (e.g. heart attack, heart-by-pass surgery, stroke, cancers, etc). Trauma extends to your injuries and depending on the policy premature death.