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Trauma Insurance

We may experience financial hardship as a result of a serious illness or injury to ourselves or a family member. Trauma insurance is designed to pay you a one-off lump sum to manage the financial impact if you or one of your children were to face one of these events.

Disability Insurance Policy Benefits

 

Benefits based on AIA Living Life, Total Permanent Disability insurance product

Built-in Benefits

  • Assistance Benefit
  • Waiver of Total Permanent Disablement
    Waiting Period
  • Partial Permanent Disablement Benefit
  • Special Events Increase Facility
  • Financial and Legal Advice Benefit
  • Premium Conversion Facility
  • Suspension of Premium Benefit

    *full list not provided

Add-on Benefits

  • Waiver of Premium
  • Accidental Injury Cover

Start With a Free Custom Quote

Complete the form below to submit your request to receive a free custom quote. One of our Advisors will contact you for further details.

Frequently Asked Questions

How old must you be for Disability?

Age between 16-65

Most insurers wants the client to hold a steady job

 

When will Trauma Insurance pay out?

We may experience financial hardship as a result of a serious illness or injury to ourselves or a family member. Trauma insurance is designed to pay you a one-off lump sum to manage the financial impact if you or one of your children were to face one of these events. AIA have two trauma options to ensure if the worst was to happen you have access to much-needed financial support to cover whatever you need, like taking care of medical treatments or covering any rehabilitation costs.

Is there Funeral Cover available?

Funeral cover could be included as part of your Life Cover. All Life Covers sold by JVFS do include Funeral Cover. This is paid out as an upfront benefit.

What is Total Disability Insurance?

Total Permanent Disablement pays a lump sum if you become totally and permanently disabled and are unable to work as a result of an accident or illness. A payment may also be made if you are partially disabled.

The disability definition is based on not being able to work in your own occupation, not just any occupation that you might be able to perform.

From a financial point of view, permanent disablement is more catastrophic than death itself. Not only has your income-earning potential gone, but you remain alive and you have all the day-to-day consumption needs that everybody else has, such as feeding, clothing, caring, housing, heating, treating, transporting, communicating and entertaining. Permanent disablement is an expensive way to live.

How much Disability Cover do I need?

There is no real way to understand the impact of never being able to work again. As a rule of thumb you can start with a minumum of at least 10 years of salary.

Put You & Your Family in Good Hands

Get In Touch

 

How can we help you? Reach out and make contact.

Book a video consultation with Jan by clicking on the Schedule time button.

Ask us any questions or send us feedback about our service!