Income Protection Insurance – T&Cs

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I’m looking to buy income protection insurance. Broker found me an insurance that will cover me until retirement should anything happen. I’m looking at T&C’s though and the only definition about what would be covered is:

Incapacity

Any illness or injury occurring during the

cover period for which you seek treatment or

consultation by a Doctor which prevents you from

engaging in your normal occupation.”

It sounds a bit vague for me but broker is trying to convince me that this is standard practice among Income Protection Insurance products as it covers any illness and injury as long as I’m signed off by a GP or consultant.

Does anyone have experience with this type of insurance? Is it really standard that incapacity definition is vague? Anyone have experience of claiming?

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