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If you're unable to work again, how would you cope?

Total and Permanent Disablement (TPD) Insurance cover pays a lump sum if you suffer a sickness or injury that leaves you permanently unable to work. This can support you and your family financially.

Think about the things that are vital to you performing your occupation. Do you work with your hands or are you on your feet all day? A permanent injury could impact your ability to do your job.

Why choose MAS Total & Permanent Disablement Insurance?

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We inspire healthier communities

We established and fund the MAS Foundation, tackling health inequity in NZ communities. Over time, your premiums can help make a real difference to a healthier Aotearoa.

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We're a Kiwi business owned by you

We’re a 100-year-old mutual so when you get insurance with us, you become one of our Members and owners. And our profits help fund the MAS Foundation, not overseas shareholders.

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We provide special Member benefits

All our Members have access to our Āki Wellbeing Hub, free EAP counselling sessions, exclusive banking benefits, our MAS Talks series with influential speakers, and more.

Benefits of MAS Total & Permanent Disablement Insurance

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Special events increase benefit

You can increase your TPD cover following major life events such as marriage, divorce, having a child, death of your spouse, or getting a mortgage - irrespective of your state of health.

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Non-qualifying death benefit

Provides a payment up to $15,000 of the TPD sum insured upon death or terminal illness if you do not have a life insurance policy in place, and are not otherwise entitled to claim under your TPD cover.

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Grief counselling benefit

If the insured person suffers a serious medical condition, is diagnosed as terminally ill, or dies, we will pay up to $3,000 towards grief counselling for the insured person or their close relative.

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Single loss of limb or eye benefit

Provides a payment of 25% of the sum insured up to $30,000 if the insured person suffers the loss of a single limb or eye.

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Parental grieving benefit

If a child of an insured person passes away, we will pay a benefit of $15k for children aged between 10 and 21 and $2,000 for children under age 10.

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Immediate assistance benefit

If the insured person suffers a specified serous medical condition we can pay the Total and Permanent Disablement benefit straight away.

Occupational Criteria

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Own Occupation

This option pays a lump sum if you become unable to perform your occupation due to a sickness or injury and are unlikely to ever be able to do so again. This cover is most suited to people in highly trained or specialised occupations.

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Any Occupation

This option pays a lump sum if you become unable to perform your occupation due to sickness or injury and are unlikely to be able to perform ANY occupation for which you are reasonably suited by education, training, or experience ever again.

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Non-Occupational Cover

Pays a lump sum if you suffer a sickness or injury leading to a permanent inability to undertake full-time domestic duties in your own home. A great option for stay-at-home parents or those responsible for full-time duties in the family home.

Types of Cover

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Standalone Cover

You can choose to have TPD cover as a separate benefit, independent of your Life Insurance cover.

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Accelerated Cover

You can choose to link your TPD to your Life Insurance. This offers a more affordable option, because it will reduce your Life Insurance sum - there is a buy-back option.

“I think MAS have a refreshing approach to insurance as a service as opposed to a privilege - the company is genuinely interested in assisting with claims.”

MAS Member

This webpage is intended as an information guide only and does not form part of the policy document or any contract with MAS. This webpage does not take into account your own personal financial situation or goals. If you would like more detailed financial advice we can get one of our advisors to contact you. Normal underwriting criteria apply for all insurance products. Special conditions and/or excesses may apply to the situations that meets your specific needs.