Impairment pays you a lump sum if you are permanently impaired (physical & functional disability). The proportion of the amount that is paid out upon claiming depends on the severity of your impairment.
There are a number of Body systems that are covered under this benefit eg. Cardiovascular system, Respiratory system, Urinary system, cancer, etc. that may cause impairment.
This is available as an accelerated and non-accelerated option (Impairment Plus). The difference between Impairment and Impairment Plus is that Impairment is taken as part of your Life Cover, and claiming on this reduces the Life Cover sum assured. Whereas the Impairment Plus is taken in addition to your Life Cover, claiming on this benefit does not affect the Life Cover sum assured. Find out more...