In which scenario would an 'own occupation policy' provide benefits?

An 'own occupation policy' is designed to provide benefits when the insured is unable to perform the duties of their specific occupation, regardless of their ability to work in any other capacity. This type of policy recognizes the specialized skills and functions required in particular professions and offers protection based on the inability to execute those specific job duties.

For instance, if a surgeon becomes disabled and is unable to perform surgical procedures, they would receive benefits under an own occupation policy because they cannot fulfill the requirements of their role as a surgeon. The focus here is on the occupation the insured was engaged in at the time of the disability, which is why this option is the correct choice. This type of policy acknowledges that even if someone could potentially work in a different job, they may still be financially impacted by their inability to practice their chosen profession.