Are there differences in TPD definitions between insurance companies?

Hi anon,

If you are referring to the general definition of loss of use of two eyes, any two limbs above wrist or ankle, or one eye one limb, then generally no, but do take note that some insurers can cover TPD for life, and some have a cut off oldest cover date (typically age 70).

Also note that there can be several defintions of TPD that apply depending on which age you are.

But if you are talking about the specific details and if there are differences, I will highlight one: Most, if not all insurers would pay TPD benefits upon diagnosis of 3/6 ADL, but there are some insurers who would pay TPD benefits upon diagnosis of 2/6 ADL (but only in a very specific age band from 66-70). This is of course a plus, but shouldn't make or break things. Unless you happen to specifically be certified to suffer from being unable to do exactly 2/6 ADL between age 66 to 70, then this might prove useful.....​​​

Hi there,

The quick answer is no. TPD is clearly defined as total and permanent disability, with similar parameters adopted across the board for all insurers.​​​