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Permanent & Total Disability (PTD)

Get Benefited in case of Permanent & Total Disability

Together with the Basic Life Insurance Scheme, one or all of the supplementary covers may be taken if desired, to enhance the benefit, on payment of additional premium.

In case of Permanent and Total Disability (PTD) resulting from bodily injury caused directly by accident which prevents the insured employee from engaging in any business, occupation or work whatsoever for remuneration or profit and which disability has continued uninterruptedly for a period of at least six months and has been certified to be incurable by a physician approved by the company, then subject to provisions of this contract, the company shall pay the benefit to the employer stated in the schedule and the insurance for the said employee shall be determined.

Salient Features:
  • Get Equal to GT Sum Assured in case of Permanent & Total Disability
  • Convenient Premium Payment Options [same as base plan]
  • Enjoy attractive discounts at our partner hospitals & cilinical labs with Protective Life Card
  • Opening a door to a rich network of more than 270 partner Hospitals & Clinical Labs
Case Scenario:

In the interpretation of this definition the company will however, recognize as permanent and total disability the entire and irrevocable loss of:

Sl No Description
1 Both hands above the wrist
2 One hand above the wrist and one foot above the ankle
3 Both feet above the ankle
4 One foot above the ankle & sight of one eye
5 Sight of both eyes
6 Sight of one eye and one hand above the wrist.