Speed Claim

医疗保险

How if I fully recovered after a TPD claim,
do i need to return back the paid out money to the insurance company ???

Let's Michael Miu tell you more about this.

WHAT IS TOTAL PERMANENT DISABILITY?

Answer: Generally, it means a person who is unable to do any work anymore and live a normal life due to injury or sickness.

IN THE EVENT OF TOTAL AND PERMANENT DISABILITY, DO I GET THE MONEY IN LUMP SUM OR BY INSTALMENT?

Answer: Depending on the insurance providers but the money is usually paid in a lump sum unless the amount of the sum assured covered is a huge amount, therefore a few instalments will be paid out accordingly depend on the insurance company respectively.

WHAT ARE THE EXACT CIRCUMSTANCES THAT ALLOWED FOR CLAIMS?

Answer: In general term, TPD may be fulfilled by one of these occurrences:
1.)The person is not able to do any work, business, occupation or profession to earn any wages, compensation or profit.
2.)Total loss of the sight of both eyes.
3.)Loss of use of two limbs above wrist or ankle.
4.)The person is not able to perform at least 3 Activities of Daily Living without the assistance of another person.