Payor Benefit

Premiums of basic plan and any additional supplementary benefits attached falling due will be waived in the unfortunate event of the payor's death or if the payer sustains total disability for 183 consecutive days or more, until the Life Insured of the basic plan reaches age 25 or the payor reaches age 65; or the end of the premium payment period or of the basic plan or termination of the total disability, whichever is earlier.

Total disability means complete working incapacity of the Policyowner/ Life Insured resulting from injury or Sickness which occurs or manifests after the effective date of these Supplementary Benefits:

1. During the first two years of disability, to engage in any work, occupation or profession for which he is reasonably suited by education, training or experience to earn or to obtain any wages, compensation or profit; and
2. Beyond the first two years of disability, to engage in any work, occupation or profession to earn or to obtain any wages, compensation or profit.

The occurrence of any of the following shall also be considered as 'Total Disability':

1. Permanent loss of sight of both eyes; or
2. Loss of two limbs or the permanent total loss of use of two limbs; or
3. (a) Permanent loss of sight of one eye; and
4. (a) Permanent loss of sight of one eye; and
   (b) Loss of one limb or the permanent total loss of use of one limb.