| Deafness/ total loss of hearing |
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| 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.
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| Deductible |
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| 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.
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| Disability |
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| 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.
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| Disability benefit |
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| 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.
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| Dividend |
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| Money made available to policyholders based on an insurance company's earnings and monetary surplus.
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| Duty of disclosure |
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| 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.
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