- Total and irrecoverable loss of use of two limbs at or above the wrist or ankle.
- Total and irrecoverable loss of sight in both eyes.
- Total and irrecoverable loss of sight in one eye and loss of one limb.
Many of us are familiar with the idea of buying insurance to cover ourself in the event of Death, Critical Illness and Total Permanent Disability (TPD). However, what worries me is what happen if I'm not able to work and yet do not meet any of the three requirements? Who then can I rely on if I'm alone or if I'm the sole bread winner?
I believe some will ask how can that be possible?
Firstly, the scope of Critical Illness is very narrow. It usually refers to the 30 ailments. In simple terms, Critical Illness usually refer to life-threatening illness but how often in our life time does one contract such an illness? The conditions involved with TPD to cover are equally difficult to satisfy.
TPD is generally define as one of the following: