To protect your lifestyle
Functional Impairment pays a lump sum when you become functionally impaired due to injury or disease which limits your ability to perform normal daily activities. (even if you are still able to do your job)
Depending on the severity of the impairment you may receive a partial payment, which also means that you may claim more than once against your impairment cover.
Impairment cover protects from financial ruin due to medical bills and the cost of alterations or equipment to help you live easier with your impairment.
This is also a very good option if you are in an occupation that is excluded from normal Disability Cover.
