This rider provides coverage to the insured in the event of total and permanent disability caused by illness, injury, or loss of limbs, as defined in the company's terms and conditions. Upon such an event, the company will pay the benefit amount specified in this rider, which will then immediately terminate.

In an event of becoming total and permanently disability
The rider covers illness or injury that leads to total and permanent disability. This means the insured is unable to perform daily activities without assistance and cannot work in any occupation. This disability must be continuous for at least 180 days.

In an event of loss of eyesight and limbs*

1. Loss of eyesight in both eyes
2. Loss of both hands or both feet, or one hand and one foot
3. Loss of one eye and one hand or foot

* Loss of eyesight means total blindness with no possibility of recovery / Loss of a hand or foot means amputation from the wrist or ankle, including the total and permanent loss of function of that limb.

BLA TPD Protect rider does not cover disability that is directly or indirectly caused by or consequential to any of the following:

1. Commit Suicide, attempted suicide or self-inflicted injury
2. Pre-existing conditions, illnesses (including complications), or injuries that have not been cured before the effective date of this rider or before the renewal date of this rider, whichever occurs later.
3. Injury sustaining while the Insured is under the influence of alcohol, addictive substance, narcotic drugs to the extent that the persons faculties to operate are materially and appreciably impaired. The term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 milligram percent and over.
4. The insured refuses medical treatments, physician’s suggestions or guidance, etc.
5. Physical abnormalities, illnesses, or injuries that the insured was aware of at the time of entering into the insurance contract but did not disclose to the company.

Note

1. This advertising media is only a summary of preliminary benefits. Please read the details of the coverage conditions and exclusions before deciding to purchase any insurance products. The coverage conditions and complete exclusions can be inquired from your agents or from your life insurance policy details.
2. Premiums is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only.
3. A health declaration is one of the factors for underwriting and benefits payment consideration.
4. Underwriting is in accordance with the underwriting conditions of the company.
5. Insurance premiums vary based on gender, age, and may be subject to change depending on the risk level of the insured's health history and occupation.
6. BLA TPD Protect rider premium is eligible for tax deduction in accordance with the announcement from the Revenue Department.