An Insured Owns an Individual Disability Income Policy

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Suspension of Cover Benefit. Take leave without pay for any reason.


What Is Disability Insurance What Type Of Disability Income Policy Should You Buy

AIA provide the flexibility to suspend your cover for up to 12 months without medical evidence if you meet the following conditions.

. This benefit is compulsory when taking out any personal disability income policy and youll incur an additional cost. If the premium is more than 15 of the sum assured the exemption would not be. If the policy is bought on or after 1st April 2013 for an individual who suffers from any disease specified under Section 80 DDB of the Income Tax Act 1961 or from a disability as specified under Section 80U of the Act the premium should not be more than 15 of the sum assured of the policy.


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