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Corporate Solutions


Total & Permanent Disablement Cover(Optional add-on to Life Cover)

Total and Permanent Disablement (TPD) helps look after an employee and their family's future if they become totally and permanently disabled and are unable to work as a result of accident or illness.

Permanent disability might not only prevent your employee from working and earning, but it could also substantially increase their cost of maintaining a comfortable lifestyle.

AIA Corporate Solutions TPD provides a lump sum payment which can assist employees with mortgage payments, medical expenses, modifications to their home and other bills allowing them to focus on adapting to their new world. It is an accelerated benefit against the Life Cover, meaning any amount paid under a TPD benefit claim will reduce the amount of Life Cover remaining for that employee.

Two TPD options are available - Own Occupation or Any Occupation

Optional add-ons

Continuation Option

If an employee is under 75 years of age for Life Cover and 70 years of age for Total Permanent Disablement (or the plan’s cessation ages if lower), they can apply to transfer some or all of their cover into an equivalent retail policy without medical evidence if: 

  1. they cease employment; or
  2. they are no longer eligible for cover under the plan; or
  3. their benefit is reduced or cancelled; or
  4. the plan is cancelled

Additionally they may be provided with continued cover during the application period.

Conditions apply