Other Long Term Insurance

Some of the Benefits offered by Premier Disability Plus are:

• Monthly payments during waiting period afforded under the Temporary Total Disability (TTD) benefit

• Lump sum payment – after 12 months of Total Disability – for the loss of one eye or one limb – in the event of a death caused by an accident

• Full payment of the policy’s total face value for covered injuries/illnesses in the event of Permanent Total Disability

• High benefit level up to 10 times salary with a USD $5,000,000 maximum

• Total and irrecoverable loss of sight of both eyes – 100%
• Total and irrecoverable loss of sight of one eye – 50%
• Loss of use of two limbs – 100%
• Loss of use of one limb – 50%
• Total and irrecoverable loss of sight of one eye and loss of one limb – 100%

This Expat Disability Insurance does not cover claims in any way caused or contributed to by:

• Death by natural causes.
• War or any act of war, whether war is declared or not, invasion, civil commotion or riots of any kind.
• Bodily Injury or Sickness sustained while in any of the armed forces (land, sea or air) of any country or international authority.
• Intentional self-inflicted injury or attempted suicide or the Insured Person being in a state of insanity.
• The Insured Person being under the influence of alcohol or having taken drugs or narcotics, or any poison, chemical compound, gas or fumes, unless prescribed by a legally qualified physician or surgeon.
• Bodily Injury or Sickness occasioned or occurring while the Insured Person is committing or attempting to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal activity.
• Pregnancy, childbirth, miscarriage or abortion.
• Bodily Injury or Sickness arising out of a Pre-Existing Condition unless noted in the proposal form and agreed by the Underwriters.
• Acquired Immune Deficiency Syndrome (AIDS), AIDS’ Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named.

• Neuroses, psychoneuroses, psychopathies, psychoses or mental or emotional diseases or disorders of any type.
• Any loss arising out of any medical or psychological condition where no firm and complete diagnosis can be made with regard to the causal factors. No firm and complete prognosis can be made as to the likely severity of the condition or its permanence.
• The Insured Person riding or driving in any kind of race or endurance test. Riding or being a passenger in any 2, 3, or 4 wheel mechanically powered motorcycle, quad or scooter. Traveling in any aircraft which is being used for crop-dusting, seeding, skywriting, racing, exploration or any other purpose than transportation as a passenger. Unless noted in the proposal form and agreed by the Underwriters.
• The Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save human life).
• Any cause specifically excluded by an Endorsement to this Policy.
• Nuclear Reaction, nuclear radiation or radioactive contamination.
• Hazardous occupations as well as activities/ sports/ hobbies based on, as stated, underwriter review, consideration and additional premium.
• Partial disability other than for the Loss of Sight of one eye or the loss of use of limb as per the Schedule.

All claims are subject to:

• The completed claim form;
• An official document proving the date of birth of the Insured and official certificate of death, in event of accidental death;
• Proof of employment at date of disability/death;
• Proof of salary, at date of disability/death;
• A detailed medical report from the attending physician(s) on the onset, course and consequences of the bodily injury, disease or accident, as well as the degree and probable duration of the disability. The Insurer may request further proof of disability at any time and have the Insured examined by its own medical consultants;
• During the continuance of a period of disability, updated medical reports from the attending physician(s) as often as the Insurer may reasonably require.