Temporary Total Disablement. We will pay the Person Insured if the Person Insured is completely unable to engage in or attend to his/her occupation, profession or business in full physical capacity due to Injury as certified by a Medical Practitioner.
Temporary Total Disablement. Conditions
1. If the benefit for death is not covered and an accident results in your death within twelve (12) months following the date of the accident, then no claim will be payable, other than for temporary total disablement for any applicable period prior to death.
2. If the benefit for death is covered and an accident results in your death within twelve (12) months following the date of the accident and prior to the definite settlement of the benefit for disablement provided for under items 2 to 4 above, the benefit payable will be the maximum sum stated in the ‘Schedule of Benefits’ under item 1 – death in addition to any temporary total disablement already paid.
3. Any benefit for permanent total disablement or permanent partial disablement will not become payable before the expiry of twelve (12) months following the date of onset of disability arising from a bodily injury. In the event your partial disablement becomes total, the only benefit payable will be the maximum sum stated in the ‘Schedule of Benefits’ under item 2 – permanent total disablement in addition to any temporary total disablement already paid.
4. If the benefit for death is covered, this benefit will also be payable in the event of your disappearance. We will only provide this benefit if:
a) your body is not found within twelve (12) months of your disappearance, and sufficient evidence is produced, that leads us inevitably to the conclusion that you have sustained bodily injury and that such injury has caused your death; and
b) the person or persons to whom such sum is paid will sign an undertaking to refund such sum to us if
Temporary Total Disablement. The Cover Payment Period Deferment Period Special Definitions applying to Section 4 Insured Team
Temporary Total Disablement. Temporary disablement which entirely prevents the Insured Person from engaging in their normal Occupation with the Policyholder. The Benefit Period and the Deferment Period are as stated in the Schedule of Benefits.
Temporary Total Disablement. The Benefit under Item 8 Temporary Total Disablement and Item 9 Temporary Partial Disablement is only payable if the Insured Person is over 16 years of age and is in full time gainful employment at the time of Bodily Injury. The maximum amount payable shall be the amount shown in the applicable Cover Level, or the average net weekly income of the Insured Person in the 26 weeks preceding Bodily Injury based on their Annual Salary, whichever is the lesser amount. If the Insured Person is in receipt of social welfare payments or income from any other sources following Bodily Injury resulting in Temporary Total Disablement, We will reduce our payments by these amounts to ensure the maximum amount payable does not exceed the Insured Persons net average weekly income in the 26 weeks preceding Bodily Injury. The payment of the Benefit of Item 8 - Temporary Total Disablement and Item 9 - Temporary Partial Disablement shall only commence at the end of the Deferment Period and is only payable up to the Benefit Period but always subject to the Maximum Benefit Period. Furthermore, the payment of the Benefit of Item 8 - Temporary Total Disablement and Item 9 Temporary Partial Disablement will not apply concurrently in respect of the same claim for Bodily Injury. The following Conditions apply to the whole
Temporary Total Disablement. Temporary disablement which prevents the Insured Person from carrying out all parts of their usual occupation for the Insured.
Temporary Total Disablement. Temporary total disablement means disablement arising from injury which is medically determined to prevent an insured person from undertaking his occupation as carried out at the date of the accident.
Temporary Total Disablement. If during the Policy Year, the Insured Person sustains Injury which directly results in Temporary Total Disablement which completely prevents the Insured Person from performing each and every duty pertaining to employment or Occupation, then We will pay a weekly benefit, provided that:
i. The Temporary Total Disablement is certified by a Medical Practitioner.
ii. Our liability to make payment will be limited to of 1% of the Sum Insured for each week during the period of temporary total disablement for a period as specified in the Policy Schedule not exceeding 100 weeks from the date of the Accident and if the Insured Person is disabled for a part of a week, then only a proportionate part of the weekly benefit will be payable.
iii. We will not pay any amount in excess of the Sum Insured mentioned in the Policy Schedule.
iv. We will not pay any amount in excess of the Insured Person’s base weekly income excluding overtime, bonuses, tips, commissions, or any other special compensation We will pay the percentage of the Sum Insured shown in the table below: Temporary Total Disablement (weekly benefit) weekly benefit up to a maximum of 100 weeks or as mentioned in the Schedule
Temporary Total Disablement. Chubb will pay the Insured Person the amounts shown in the Schedule of benefits. Chubb will pay a percentage of the amount shown in the Schedule of Benefits. The percentage payable will be relative to the degree of disablement as shown in the following Scale of Injuries which prescribes the maximum percentage payable for a range of Permanent Disabling Injuries.
a. Loss of one or more limbs 100%
b. Loss of sight in one or both eyes 100%
c. Loss of speech 100%
d. Loss of hearing in both ears 100%
e. Loss of hearing in one ear 25% If a benefit is payable for Loss of Limb or Loss of use of a Limb then benefit for loss of or loss of use of parts of that limb cannot also be claimed. What this policy does not cover This Part of the Policy provides details of all Exclusions. Exclusions applicable to all sections of the Policy are listed first, followed by Exclusions applicable to each individual section of the Policy.
1. the Insured Person committing a criminal act or taking part or whilst engaged in civil commotions or riots of any kind;
2. the misuse of alcohol or solvents, or as a result of drugs ingested (except for drugs which are properly prescribed), or whilst driving with an alcohol level in the blood which exceeds the legal limit of the Country being visited.
3. the Insured Person travelling to any country which is or whose armed forces are engaged in War within its own borders;
4. the Insured Person being a full time member of the armed forces of any nation or international authority or a member of any reserve forces called out for permanent service;
5. the Insured Person engaging in:
a. in any form of air travel, unless travelling as a fare-paying passenger in an aircraft which is provided and operated by an airline or air charter company which must be licensed for this;
Temporary Total Disablement benefits payable for a fractional part of the week will be indemnified on the basis of one-seventh of the applicable weekly benefit for each day of disablement.
