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Deafness/ total loss of hearing
Total and irreversible loss of hearing in both ears as a result of illness or accident. Total means “the loss of at least 80 decibels in all frequencies of hearing”. Medical evidence in the form of an audiometry and sound-threshold tests must be provided and certified by an Ear, Nose, and Throat (ENT) specialist.
The portion of an insured loss to be borne by the policyholder before he is entitled to recover from the insurance company. Also known as excess.
A condition that affects to some degree a person's ability to carry on his normal pursuits. A disability may be partial or total, and temporary or permanent.
Disability benefit
The benefit payable upon the disablement of the life insured under a disability income policy or a provision of some other policy such as life insurance or takaful family plan. 
Money made available to policyholders based on an insurance company's earnings and monetary surplus.
Duty of disclosure
E.g. ‘Full Disclosure of Material Fact’, refers to revealing all your relevant details in your insurance application to the insurance company. Failure to do so may render your policy invalid.