Total & Permanent Disability (TPD) Cover provides a one-off, tax-free lump sum payment if you suffer a permanent disability from illness or injury that leaves you unlikely to ever work again defined by policy types such as ‘Own Occupation’ (unable to return to your specific job based on training/education) or ‘Any Occupation’ (unable to work in any suitable role).

The payout funds ongoing care, home or vehicle modifications, medical expenses, debt repayment, or lifestyle adjustments, offering financial independence when permanent changes occur and monthly income support isn't viable long-term.

We guide you through TPD options at Kripa, comparing cover levels, definitions for the best fit (for higher protection in specialised roles), and extras like partial benefits (e.g. loss of limb or sight in one eye). We ensure alignment of TPD cover with your career, assets, and family needs, explaining claim criteria and combining with other policies for efficiency.