You, your spouse and family members, are covered for death and permanent total disability that’s the result of an accident that happens anywhere in the world, provided that these family members:
- Are financially dependent on you.
- Normally live with you.
- Are between 14 and 70 years old.
By 'accident' we mean an unexpected and unintentional event caused by violent, external and visible means, which results in injury leading to disability or death within 12 months of the event.
By 'permanent total disability' we mean a disability arising from an accident that entirely prevents you from being able to work, that’s likely to last for the rest of your life, and that's supported by medical evidence.
By 'temporary disability' we mean a disability that, according to medical evidence, isn't likely to last for the rest of your life, whether arising accidentally or not. We don't cover temporary disability.