Own Occupation definition

This is the more expensive form of cover which pays out if you are unable to follow your particular occupation due to illness or disability.

Work tasks definition

Being disabled according to all the requirements of either of the following definitions:

· Work tasks Being disabled:

i) through illness (other than mental illness of any kind) or injury; and
ii) to the extent of becoming unable to do any two of the six work tasks listed below, without the help of another person, but with the use of appropriate assistive aids and appliances.

Work tasks definitions:

Walking The ability to walk 200 metres on a level surface with a stick or other aid without stopping or severe discomfort.

Lifting The ability to pick up 1kg from table height and carry it for 5 metres.

Using a pen/pencil/keyboard The ability to use a pen, pencil or keyboard with either hand or using any aids.

Hearing The ability to hear well enough to understand someone speaking a common language in a normal voice in a quiet room with a hearing aid.

Speech The ability to be understood in a common language in a quiet room.

Vision The ability to see well enough to read 16 point print using spectacles or other aids.

· Mental incapacity Being disabled:

i) through an organic brain disease or brain injury which affects the ability to reason and understand; and
ii) the condition has deteriorated to the extent that continual supervision and the assistance of another person is required.