Accidental Permanent Disability:
Permanent Disability as defined in this policy, which directly and independently results within 24 calendar months of the accident. This benefits will only be considered by the insurer in the event of motivation received from a physician as defined in the policy wording.
Like with the Accident benefit, pre-authorisation is needed and EssentialMED needs to be informed of the accident within 48 hours of the event occurring. Available once per policy lifetime. Any costs already paid under the Accident Hospitalisation benefit will be deducted from the benefit limit.
Permanent Disability means permanent and total loss of or use of (as a result of an accident):