Loss of independent existence is a condition of permanent disability according to all living conditions through ageing, illness or injury.

Loss of independent existence

Becoming permanently disabled according to all the requirements of either of the following definitions:

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Life tasks

Becoming permanently disabled:

  • through ageing, illness or injury;
  • to the extent of being unable to perform any three of the six life tasks (feeding, washing, dressing, transferring, mobility and toileting) without the help of another person, but with the use of appropriate assistive aids and appliances; and
  • the disability is irreversible with no reasonable prospect of there ever being any improvement.

Mental incapacity

Becoming permanently disabled:

  • through an organic brain disease or brain injury which affects the ability to reason and understand;
  • the condition has deteriorated to the extent that continual supervision and the assistance of another person is required; and
  • the disability is irreversible with no reasonable prospect of there ever being any improvement.

Activities of life tasks:

  • Feeding – the ability to feed oneself.
  • Washing – the ability to wash in the bath or shower
  • Dressing – the ability to put on, take off, secure and unfasten all garments
  • Transferring – the ability to move from a bed to an upright chair or wheelchair and vice versa;
  • Mobility – the ability to move indoors from room to room on level surfaces;
  • Toileting – the ability to use the lavatory or otherwise manage bowel and bladder functions to maintain a satisfactory level of personal hygiene;

How does the loss of independent existence happen?

In the twinkling of an eye, we can lose everything important in life.  Loss of life, loss of income and disability due to unexpected accident or illness are some events that can happen to anyone.  In these scenarios, most families will face the hardships to survive.

That is the essence of life that sometimes requires protection and becomes a priority to safeguard and preserve what is important in our lives.  Have you ever wondered how you can protect ourselves, especially home, health and family at times of uncertainty?


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Treatments for Loss of Independent Existence

This condition must be confirmed by the company’s approved doctor.


Get Our Help

Contact our Life Insurance Planner who is familiar with the treatments involved in different hospitals.  Get in touch with us to understand more about the insurance coverage by Red Cover Life Planning.
Be advised correctly.  Call us today at +6012 684 0948.

Levine Lee

Life Planner at Red Cover Life Planning
Levine Lee is an expert AIA insurance agent and life planner. She has over 12 years of working experience with AIA and ING Insurance as an insurance agent and life planner.This makes her efficient and effective to manage clients for AIA Group Insurance Plans, AIA Life Insurance and AIA Takaful policies.Based in the Klang Valley in Malaysia, Levine serves her customers all over Malaysia, as they move between cities because of job changes.

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Loss of Independent Existence
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Loss of Independent Existence
Loss of independent existence diagnosis and condition can be described as becoming permanently disabled according to all the requirements of either life tasks and mental incapacity.
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Red Cover
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