Supplementary Benefit Riders

2. Permanent And Total Disability Rider (PTD)

Permanent and total disability is defined as disability due to bodily injury or disease which prevents the person from engaging in any occupation or performing any work for compensation or profit and which continues uninterrupted for at least six months and is beyond hope of improvement.

Under Permanent And Total Disability Rider the company agrees to pay the Face Amount of the rider as per the following schedule after the onset of the disability.

Time Elapsed From Onset Of Disability	Percentage Of The Face Amount Payable
6 months	20 %
12 months	30 %
24 months	50%

In The company recognizes as total and permanent disability the following;

Total and irrecoverable loss of sight in both eyes.

The loss of both hands and feet by amputation above wrist or ankle.

The loss by amputation of one hand above the wrist and the loss of one foot above the ankle

automatically at 60 years

The maximum age of entry for Permanent And Total Disability rider is 55 years nearest birthday. The coverage will automatically expire when the insured reaches 60 years of age nearest birthday or the maturity of the policy whichever is earlier.

The rider can be taken for up to 100% of the face amount of the Income Growth Plan provided that this amount is not less than Rs.100,000/ and not more than Rs.1,000,000/-. The Waiver of Premium must be attached to the policy to include this rider.

The benefits of this rider are not payable for disabilities that result from;

Self inflicted injuries

Air travel except as a passenger in a commercial airline.

War, strikes, riots, civil commotion, revolution or any war like operations.