Own Occupation

All insurance companies base claims on how ill you have to be prior to any benefit being paid. 'Own' occupation definition of disability means that you will receive your claim based on your inability to perform your duties as a dentist. Many plans carry a 'suited' by training, education or experience definition. Here the benefits would be paid only if you were unable to perform an alternative role, such as research or working for a pharmaceutical company. 'Any' occupation plans should be avoided at all costs. As the wording suggests, you will have to be very ill/injured not to be able to do any job whatsoever. In our opinion own occupation will provide you with the most comprehensive cover.