FAQ - Total and Permanent Disability (TPD) claim
1. What is the procedure for making a Total and Permanent Disability (TPD) claim?
Please click here to view the instruction page for the procedure on making a Total and Permanent Disability Claim.
2. How will the Total and Permanent Disability (TPD) Benefits be paid?
While the policy is in force, should the Life Assured become totally and permanently disabled, the Company will waive the payment of all future basic life premiums and pay the Disability Benefit in ten, five or three annual installments, or 1 lump sum, depending on the terms and conditions stated in the policy contract.
If the policy terms and conditions state that the admitted TPD claim will be paid on installment basis, the first annual payment will be made on the policy anniversary following the date of commencement of the disability and subsequent payments will be made annually from the policy anniversary.
3. For contract which states that no TPD benefit is payable for any disability which happens before the Life Assured has reached the age of 6 years, can the Policyholder claim under TPD after he turns 6 years old?
No. The contract states that TPD which commences before the Life Assured turns 6 years old is excluded.
4. Why is a medical report required before payment of every TPD installment?
Medical report is required before each TPD installment is made because under the contract for TPD, if the assured ceases to be totally and permanently disabled, the Company will discontinue all further annual payments. Therefore, there is a need to confirm that the policyholder is still totally and permanently disabled before each installment is paid out.
5. Is there a waiting period for TPD claims?
There is no waiting period for TPD claims under our contract.
6. Is attempted suicide resulting in TPD covered?
No. Self-inflicted injury is excluded in the contract/endorsement.
7. If the Life Assured is hospitalised for an injury or an acute condition and the family needs the money to pay for the medical expenses, can he claim under TPD?
TPD will only be payable if the Life Assured's condition fulfils the criteria stated in Question 3. If the Life Assured's condition is unstable, we suggest the family to wait for his condition to stabilise before showing the doctor the definition of TPD and asking him if the condition fulfils TPD. If the condition fulfils our definition of TPD, the family may forward the claim form to the doctor for his completion.
8. For endowment policies, what happens when there are TPD installments due after the policy maturity date?
On the maturity due date, the Company will pay in 1 lump sum to the policyholder the balance of the TPD installments.
9. If the Life Assured's policy excludes TPD coverage, in the event of a car crash or an accident that renders the Life Assured TPD, will the Company consider paying the TPD claim?
No. If the Life Assured's policy excludes TPD coverage, in the event of an accident that renders the Life Assured TPD, the Company will not admit liability of the TPD claim.
10. If the Life Assured passes away in the midst of his TPD installments, what will happen to the rest of the unpaid TPD installments?
The unpaid TPD installments will be paid in 1 lump sum to the estate of the deceased.
11. What happens if the Life Assured recovers from his TPD before he has received the full TPD benefits?
It is stated in the contract that if the Life Assured ceases to be TPD, the Company will discontinue further TPD benefits payments and the policy shall continue under such terms and conditions as the company may decide.