Why do you need Total Permanent Disability (TPD) Insurance Cover?

Health Insurance Plans starting at Rs.15/day*

Health Insurance Plans starting at Rs.15/day*

Life is unpredictable, as you may not know when you will face an unfortunate event such as an accident or medical emergency. Such uncertainty would have a high impact on your life both financially and emotionally.

That is why you need a Total Permanent Disability (TPD) cover to face such consequences. Different insurers use different terminologies, such as Total Permanent Disability (TPD) or Permanent Total Disability (PTD). Well, most of you may have yet to learn the benefits of this cover. Let us discuss this in detail.

What is Total Permanent Disability (TPD)?

TPD refers to a state in which a person is disabled permanently due to accidents.

This includes loss of limbs, vision or speech. Here, the percentage of the Sum Insured is based on the percentage of irreversible, permanent disability.

Benefits of Total Permanent Disability cover

A sudden disability can shatter your financial stability. In such cases, you definitely need Health Insurance for TPD. Here are the various benefits of a TPD cover that would help you understand why it is essential.

Financial security

While having a permanent disability, it may be a complete struggle to lead a normal life. A Total Permanent Disability insurance policy will assist you with your day-to-day expenses and support you in such cases.

Coverage for medical expenses

If you face a severe disability that leaves you bedridden, you must be prepared to take care of your medical expenses. Nowadays, in-patient hospitalisation and Medical treatments are quite expensive in India due to rising medical inflation. Having Total permanent disability insurance will help you to pay your medical bills and alternative treatment expenses.

Support the family

When you face a disability, you may be unable to continue working. In some cases, if you are the family’s breadwinner, it would be tough to tackle day-to-day financial needs and pay for your child’s education fees. The Total Permanent Disability insurance offers coverage for children’s education and supports the family to get back up.

How does a Total Permanent Disability Insurance cover work?

Getting Total Permanent Disability coverage is important as it supports your family even at difficult times. The terms and conditions of a TPD may vary for different insurance companies. Hence, it is crucial to read the respective policy clause before finalising your policy.

In case of permanent disability, the insured will be entitled to the entire Sum Insured as per the policy terms and conditions. On the other hand, if an insured is temporarily unable to work, then some percentage of the Sum Insured will be paid to meet the short-term income loss.

TPD coverage of an insured is dependent on the nature and extent of the disability.

Exclusions in Total Permanent Disability cover

As per policy terms and conditions, the following contingencies won’t be considered for a Total Permanent Disability insurance cover:

  • Suicide or self-injury
  • Any pre-existing disease
  • Injuries caused by war, invasion, revolution and so on
  • Service under armed forces or NGOs
  • Criminal assault or action
  • Injuries caused by liquor drinking, drug, poison, etc.
  • Martial arts and adventure sports like hiking, skydiving, trekking, etc.
  • Accidents caused by mental disorders and instability
  • Any loss or damage caused by the act of terrorism
  • Disability caused during childbirth

This is only an indicative list. For a complete list, you can refer to the policy clause.

Accident care individual insurance from Star Health is a standalone personal accident plan offering coverage in case of death or disability due to an accident.

A unique feature of the policy is that the compensation for Permanent Total Disablement is 150% of the Sum Insured.

Eligibility – Any person between 18 and 70 years is eligible to take this insurance. A family plan is available for Insured, spouse and dependent children (after five months).

Coverage – This policy offers benefits depending on the Table of covers chosen:

Table A – Covers Accidental Death

Table B – Covers Accidental Death and Permanent Disablement

Table C – Covers Accidental Death, Permanent Total Disablement and Temporary Total Disablement, providing weekly compensation.

Additional Benefits – There are certain additional benefits that the policy offers (up to the limits specified in the policy document), such as an educational grant, ambulance charges, transportation expenses of mortal remains, travel expenses for one relative, transportation of imported medicines, vehicle and/or residence modification and purchase of blood. Optional benefits include medical expenses extension due to accident, hospital cash and home recovery.

For more details of the policy, you can refer to the policy clause.

In addition, Star Health offers specific Individual and Family-based policies covering accidents along with coverage for Permanent Total Disablement.


It is your choice to select a single Permanent Disability insurance cover or opt for an add-on with your existing accident insurance policy. However, if you want broader coverage for a permanent disability, opting for a sole Total Permanent Disability coverage is better.


What will be the difference between Permanent and Temporary Disability?

Permanent disability refers to the ones that cannot be cured, and the person would be disabled for the whole lifetime (i.e. Irrecoverable). Temporary disability is a state where the injury could be treated through surgery or recovered on its own over a period of time.

Is Permanent Disability covered under Personal Accident cover?

Yes, some Health Insurance policies cover Total Permanent Disability under the Personal Accident Insurance policy.

What are the common injuries covered under permanent Disability cover?

The list includes:
1. Loss of eyesight in both eyes
2. Loss of two hands
3. Loss of two foot
4. Physical loss of separation of one hand, foot, etc.


The Information including but not limited to text, graphics, images and other material contained on this blog are intended for education and awareness only. No material on this blog is intended to be a substitute for professional medical help including diagnosis or treatment. It is always advisable to consult medical professional before relying on the content. Neither the Author nor Star Health and Allied Insurance Co. Ltd accepts any responsibility for any potential risk to any visitor/reader.

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