Page 11 - Axicom Salary Continuance Insurance - Staff Insurance

Total and Permanent Disablement diagnosis

A benefit is payable when: Specific Loss

• satisfying eligibility criteria (current full-time or An insured member satisfies all of the following:
part-time employees, working 15 hours or more per • solely because of injury or illness, suffers the total
week, Australian resident or holder of a Visa, aged and permanent loss of the use of either:
under 65 years)
- two limbs (where ‘limb’ is defined as the whole
• working for at least six consecutive months or more hand or the whole foot), or
immediately prior to the event date
- the sight in both eyes, or
• based on medical or other evidence satisfactory to
the insurer, solely because of injury or illness, the - one limb and the sight in one eye, which is
insured member: certified by at least two medical practitioners,
and
(i) has not worked at any time during the waiting
period, and • in the insurer’s opinion based on medical or other
evidence, solely because of injury or illness, the
(ii) as at the date of disablement is unlikely ever insured member as at the date of disablement
to be able to work in any gainful employment is unlikely ever to be able to work in any gainful
for which he or she is reasonably suited by employment for which he or she is reasonably suited
education, training or experience. by education, training or experience.

In addition, to receive a benefit within the Axicom
policy, the conditions of the applicable Total and Activities of Daily Work
Permanent Disablement definition below must be met. An insured member satisfies all of the following
• solely because of injury or illness, the insured
Permanent Impairment member is totally and irreversibly unable to perform
at least three activities of daily work, and
An insured member satisfies all of the following:
• in the insurer’s opinion based on medical or other
• gainfully working on the day immediately prior to the evidence, solely because of injury or illness, the
event date
insured member as at the date of disablement
• solely because of injury or illness, a 25% permanent is unlikely ever to be able to work in any gainful
whole person impairment is incurred employment for which he or she is reasonably suited
• in the insurer’s opinion based on medical or other by education, training or experience.
evidence, solely because of injury or illness, the
insured member as at the date of disablement Cognitive Loss
is unlikely ever to be able to work in any gainful
employment for which he or she is reasonably suited An insured member satisfies all of the following:
by education, training or experience. • solely because of injury or illness, the insured
member suffers cognitive loss, and

• in the insurer’s opinion based on medical or other
evidence, solely because of injury or illness, the
insured member as at the date of disablement
is unlikely ever to be able to work in any gainful
employment for which he or she is reasonably suited
by education, training or experience.

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