Occupational disability insurance
Protects ongoing income when illness or injury prevents someone from continuing in their most recent occupation.
Talk to usOccupational disability insurance: Cover and protection clearly explained
Protects ongoing income when illness or injury prevents someone from continuing in their most recent occupation.
Who needs Occupational disability insurance?
For people whose standard of living depends substantially on their earned income.
What does Occupational disability insurance cover?
- Agreed monthly pension when the policy definition of occupational disability is met
- Selectable benefit amount, term and indexation
- Depending on the plan, options to increase cover after major life events
Important limits and exclusions of Occupational disability insurance
Health underwriting, occupation, referral clauses and the precise benefit definition vary considerably.
The exact scope, limits, deductibles, duties and exclusions are determined by the selected policy conditions.
Practical example: How Occupational disability insurance applies
After a long illness, the insured pension can partially replace lost earned income if the policy conditions are met.
Consultation on Occupational disability insurance: What to prepare
The following information helps us assess suitable next steps:
- Occupation and actual duties
- Income and existing protection
- Health information and desired term