Life Insurance for Loss of Limbs or Eye

Will total and permanent disability insurance cover loss of limbs or eye?

Losing a limb or the use of one of your eyes can seriously impact your ability to perform your normal work duties, which is why it's important to have total and permanent disability cover (TPD).

Most TPD policies in Australia offer a benefit payment for:

  • Loss of two limbs
  • Loss of sight in both eyes
  • Loss of one limb and/or sight in one eye

Read on to learn more about the cover provided by TPD insurance or enter your details in the form below to receive quotes from different life insurance providers.

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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Compare TPD insurance quotes from these direct brands

Rates last updated April 26th, 2017
Product details Maximum cover Maximum Entry Age Cooling-off
Life Insurance
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Choice of cover options and flexible premiums to suit budget. No lock-in contracts and fast application. $1,500,000 65 30 Get quoteMore info
Insuranceline Life Insurance
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Get up to $1.5 million in life cover with no medical tests required. $1,500,000 69 30 Get quoteMore info
Real Family Life Insurance
Real Family Life Insurance
Get a refund of 10% of the premiums you've paid (in the first 12 months) with The Real Reward™ . $1,000,000 64 30 Get quoteMore info
Term Life Insurance
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A simple life insurance product that can offer up to $1,500,000 in a lump sum payment on death or diagnosis of terminal illness. $1,500,000 69 30 Get quoteMore info
Life Insurance
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Get flexible life insurance up to the sum of $2,000,000. $2,000,000 59 21 Get quoteMore info
NobleOak Term Life Insurance
NobleOak Term Life Insurance
Save 20% on NobleOak life insurance and pay no premium in the first month. $15,000,000 69 30 Get quoteMore info
Woolworths Life Insurance
Woolworths Life Insurance
Receive a discount of 10% on life insurance as a Woolworths Rewards Member. T's and C's apply. $1,500,000 65 30 Get quoteMore info
Ezicover Life Insurance
Ezicover Life Insurance
Get up to $1.5 million in life cover. 10% discount available on a second life insurance policy when two policies are issued at the same time. $1,500,000 69 30 Get quoteMore info

How is the loss of limb and/or eye covered by TPD Insurance?

Generally, a benefit for TPD Insurance will be paid if the insured has suffered the total and irrecoverable loss of the:

  • Sight of both eyes
  • Use of two limbs
  • Sight of one eye and use of one limb

A partial payment of the TPD benefit will be paid if you suffer the permanent loss of:

  • Use of one arm
  • One leg
  • Sight in one eye

Differences in payout figures

If you have trauma insurance the amount that you will receive will depend on the injury that you have. The amount of money that you will receive will be:

  • Full payments. You will generally receive the full amount of the policy when you lose both eyes, both feet, both hands, one hand and foot, one limb and an eye and your life.
  • Half payments. You will generally receive a half payment when you lose one hand, one foot, a thumb and an index finger on the one hand or the sight in one eye.

If you are working then you should be sure that you cover yourself against anything that can cause you to decrease the amount of hours that you are working and events that will cost you money. If you are working then you should be sure to get trauma insurance that covers against the loss of limbs and eyes. Many people will lose a limb or an eye over the course of their lives and the event can lead to decreased health, loss of work and increases in the medical costs that are associated with the illness.

Why get coverage for blindness?

If you are working then you should think about the impact of going blind and how it will affect you. If you go blind you may not be able to work and insurance will prevent a lot of stress during this time. If you are thinking of getting trauma insurance then you should consider:

  • Blindness coverage. Blindness and vision impairment coverage will be available with many different trauma insurance policies. If you are looking to get trauma insurance you should be sure that it covers blindness and vision impairment because it is so common.
  • The effect of blindness. If you are working and you develop blindness you will have to consider how it will affect you. Most people will rely on their income to pay for many of the day to day costs that arise and the bills. If you go blind then you may not be able to work and may find that you will not have enough money.
  • How coverage can help. If you find that you go blind and you are unable to work then the trauma insurance will help you in many ways. If you have trauma insurance then any of the medical costs that you incur that are related to the disability will be covered under the insurance. Furthermore, your income may be subsidised by the insurance for a period of time so you will have time to get back on your feet.

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Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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