In case an insured life becomes totally disabled as a result of an accident or sickness, this benefit pays a 100% of the Insured Member’s weekly pre-disability earnings for as long as such disability continues, subject to such payment limited to no more than 52 consecutive weeks. Payments shall commence 1 week after the date an accident or sickness occurs. No payment will be made retrospectively in respect of this period.
A percentage of the Sum Insured payable upon diagnosis only when the advent of death is highly probable within 12 months and medical opinion has rejected active therapy in favour of the relief of symptoms and support of both patient and family.