Base sum
The agreed disability sum is the starting point for the benefit calculation.
Invalidity & progression
Base sum and progression must work together.
The benefit for permanent disability depends on the individual policy wording. Base sum, assessed disability degree and the agreed progression scale interact.
Disability degree
The degree is assessed under the policy wording, benefit schedule and medical functional impairment.
Progression
Progression increases benefits at higher disability levels according to the agreed scale.
Practical point
A high progression scale does not replace a sufficient base sum because smaller and medium disability levels may be affected differently.
Related topic: Understand the benefit schedule →
Personal advice
Review the policy wording before the claim.
We compare benefit structure, exclusions and claims rules rather than premium alone.
