TPD and death

[AhPek_Lion]

Hi
May I know if TPD covers any form of death including natural death?

 

[Aerial86]

Hi
May I know if TPD covers any form of death including natural death?

Nope. TPD is usually added to a life plan as a rider. Both definition is completely different.

 

[AhPek_Lion]

Thank u for ur reply. Perhaps I rephrase my qn. What I meant was "does those term plans that cover tpd and death (such as iterm / saf term Aviva ) cover death due to any cause including natural death before age 65?

 

[NiteX2]

natural death is covered

 

[lzydata]

Death is death. Usually this part of the policy is the easiest to understand

 

[kebinu]

A Comprehensive Coverage | Kevin Chia

You can learn a bit more here.

 

[bigmice]

Hi
May I know if TPD covers any form of death including natural death?

TPD means not death=total permanent disable,lost all or most partial living ablility
Death is death, not alive easy understand

 

[archcherub]

All life policies cover death.

Death means die by ANY reasons

(except for suicides in the 1st 12 months of the policy [though all premiums are refunded]. Once your policy is paid more than 12 months, death from suicide is payable as well. This is to prevent people buying policies and then commit suicide immediately...)


TPD is the worst, most complicated definition in Singapore. I have never encountered a single agent who can confidently explains what is TPD, that is in line with what their company's customer services / claim officers issue out.
Most cases, the agent's words would be slightly different from their officers.

1) TPD - losses of any 2 items from this list
left eye, right eye, left arm, right arm, left leg, right leg
most insurers recognise this, depending on definition of "loss"

the below are very different definitions from insurer to insurer, and even from agents to agents in SAME insurer company. or agents to officers
1) Unable to work in own occupation
(note.. in original occupation, a surgeon who has an accident who make him tremble won't be able to work as a surgeon, but he can still WORK in other occuptation)

2) unable to work at all

3) unable to move in a certain manner...


anyway seek ur officers of the insurers for best explanation and get it in email, black and white.
but still good luck, coz got disclaimers in their stuff also.... haha

 

[kebinu]

It's because of various tpd coverage.

The first is the most tradition. It used to be loss by severance, then becoming "better" when improved to loss of use.

It's always necessary to look at policy contract.