CommInsure Protection: Total Care Plan Total and Permanent Disability Cover

You can buy Total Care Plan Total and Permanent Disability Cover as a standalone plan or in combination with Life Care or Trauma Cover. If you choose a standalone policy you can insure up to $5,000,000. For combined policies, you can't insure more than the value of your other policies.

CommInsure offers 'own occupation', 'any occupation' and 'homemakers' TPD insurance. The policy you buy will determine which definition is used to assess your right to make a claim. If your policy is held outside of your superfund you may be able to claim a percentage of your TPD insurance if you become partially and permanently disabled.

In most cases your CommInsure Total Care Plan TPD Cover will provide you with insurance until you reach age 65. If you hold your policy outside of your superfund you may be able to get additional limited cover until age 80, which pays a lump sum if you become unable to live independently.

CommInsure will automatically increase the amount of your TPD cover each year in line with inflation, to ensure your benefits keep up with increases in the cost of living.

CommInsure offers an elective 'continuation' option which gives you the right to buy Life Care cover without medical investigation when your TPD policy expires, either because you reach age 80 or because you have made a successful claim.

For standalone Total Care Plan TPD Cover policies there is a built-in death benefit of $10,000 which may be paid to your beneficiaries if you die while holding the policy and no claim has been made.

For full details of the CommInsure Protection range of life insurance products you can download the Product Disclosure Statement here.