Trauma cover: same condition, different definition

Dementia including Alzheimer’s Disease (permanent) means the unequivocal diagnosis of dementia by a consultant neurologist or geriatrician. The diagnosis must confirm dementia or Alzheimer’s Disease due to permanent failure of brain function with associated cognitive impairment. A Mini-Mental State Examination score of 24 or less out of 30 is required. Cognitive impairments because of functional neurological disorders are excluded.

Alzheimer’s Disease or Dementia with significant cognitive impairment means the diagnosis of Alzheimer’s disease or Dementia as confirmed by a consultant neurologist or geriatrician resulting in significant cognitive impairment. Significant cognitive impairment means deterioration in your mini-mental state examination, or equivalent thereof, scores to 20 or less.

Dementia or Alzheimer’s disease - permanent and of specified severity: the unequivocal diagnosis of dementia or Alzheimer’s disease, by a doctor, causing permanent failure of brain function. A deterioration in the insured person’s mini mental state examination score to 24 or less is required. Alternatively, we will consider other neuropsychometric tests acceptable to us that conclusively diagnose the condition to at least the same level of stated severity.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Dementia including Alzheimer's disease (diagnosed and with cognitive impairment) means the unequivocal diagnosis of dementia or Alzheimer’s disease that meets all of the following: • is characterised by the presence of marked impairment of cognitive functioning evidenced by a Mini Mental State Examination score of 24 or less out of 30, or the results of an equivalent neuropsychometric test; • the condition must be permanent and associated with an underlying disease of the nervous system; • the diagnosis must be made by a medical practitioner who is a consultant neurologist or geriatrician.

Dementia or Alzheimer’s disease – permanent and of specified severity The unequivocal diagnosis of Dementia or Alzheimer's disease, by a Doctor, causing permanent failure of brain function. A deterioration in the life insured’s Mini Mental State Examination score to 24 or less is required. Alternatively we will consider other neuropsychometric tests acceptable to us that conclusively diagnose the condition to at least the same level of stated severity.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Dementia including Alzheimer's Disease (Up to 50% Trauma Cover Amount payable) Dementia including Alzheimer's Disease Means the Diagnosis of dementia or Alzheimer’s disease resulting in a permanent loss of cognitive function, for which no other recognisable cause has been identified. A Mini-Mental State Examination score of 20 or less out of 30 is required.

Dementia including Alzheimer’s disease (permanent and irreversible with severe cognitive impairment) - Full Payment The unequivocal diagnosis of dementia by a specialist medical practitioner. The diagnosis must confirm dementia or Alzheimer’s Disease due to permanent and irreversible failure of brain function with associated severe cognitive impairment. Severe cognitive impairment means a Mini-Mental State Examination score of 24 or less out of 30, or an equivalent level of deterioration assessed under another clinically-appropriate cognitive assessment instrument.

dementia including alzheimer’s disease (diagnosis and with cognitive impairment) means the unequivocal diagnosis of dementia or Alzheimer’s disease that meets all of the following: * is characterised by the presence of marked impairment of cognitive functioning evidenced by a Mini Mental State Examination score of 24 or less out of 30 or the results of another equivalent neuro-psychometric test * the life insured requires continual supervisory care by another adult person as the result of cognitive impairment * the condition must be permanent and associated with an underlying disease of the nervous system * the diagnosis must be made by a consultant neurologist or geriatrician.

Aortic Surgery (for specified conditions) means surgery to repair or correct an aortic aneurysm, an aortic dissection, an obstruction of the aorta, a coarctation of the aorta or traumatic Injury to the aorta. For the purpose of this definition, aorta means aortic arch, ascending aorta and descending aorta, but not its branches.

Surgery to the Aorta means the actual undergoing of a surgical procedure to the aorta to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta but does not include angioplasty or non-surgical techniques. Surgery to the Aorta (open heart or open abdominal) means Surgery of the Aorta done via Open Heart Surgery or Open Abdominal Surgery. The operation must be considered necessary by a consultant cardiologist.

Aorta repair – excluding less invasive surgeries The correction of narrowing, dissection or aneurysm of the aorta through the chest or abdominal wall, excluding angioplasty, intra-arterial procedures or other nonsurgical procedures.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Aortic surgery means the undergoing of surgery or endovascular repair that is considered necessary to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta. The insertion and/or removal of intra-arterial balloon pumps into and/or out of the aorta are not covered.

Aorta Repair – excluding less invasive surgeries. The correction of narrowing, dissection or aneurysm of the aorta through the chest or abdominal wall, excluding angioplasty, intra-arterial procedures or other nonsurgical procedures.

Heart Surgery – open heart surgery Means surgery with a sternotomy or thoracotomy (surgical division of the breast bone) to the heart, heart valves or aorta confirmed by a Medical Specialist as the necessary and appropriate treatment. It specifically excludes angioplasty, intra-arterial procedures and treatment without surgery, even where these are necessary and recommended.

Aortic surgery (thoracic and abdominal aorta excluding its branches) - Full Payment Surgery to repair or correct an aortic aneurysm, an obstruction of the aorta, a coarctation of the aorta or traumatic injury to the aorta. For the purpose of this definition, aorta means the thoracic and abdominal aorta, but not its branches.

aortic surgery means surgery performed to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta performed either by open surgery or by thoracoscopic or laparoscopic minimally invasive ‘keyhole’ techniques. Aortic surgery doesn’t include percutaneous angioplasty or any other intravascular techniques.

Aplastic Anaemia (requiring treatment) means unequivocal diagnosis of aplastic anaemia by a specialist Medical Practitioner resulting in at least two of the following: * anaemia; * neutropenia; or • thrombocytopenia; and requiring one of the following: * blood product transfusion; * marrow stimulating agents; • immunosuppressive agents; or • bone marrow transplantation.

‘APLASTIC ANAEMIA’ means a definite diagnosis of a chronic persistent bone marrow failure, confirmed by bone marrow biopsy, which results in anaemia, neutropenia and thrombocytopenia requiring treatment with at least one of the following: • blood product transfusion; • marrow stimulating agents; • immunosuppressive agents; or • bone marrow transplantation.

Aplastic anaemia – of specified severity means bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring as a minimum one of the following treatments: * marrow stimulating agents * bone marrow transplantation (including haematopoietic stem cell transplantation) * blood product transfusions * immunosuppressive agents.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Aplastic anaemia (requiring treatment) means bone marrow failure that meets both of the following: • is characterised by an almost complete absence of haematopoietic stem cells, resulting in low levels of red and white blood cells and platelets • requires treatment with one or more of the following: – bone marrow stimulating agents – bone marrow transplantation – peripheral blood stem cell transplantation – immunosuppressant agents.

Aplastic Anaemia – of specified severity Means bone marrow failure which results in anaemia, neutropenia and thrombocytopenia requiring as a minimum one of the following treatments: * marrow stimulating agents * bone marrow transplantation (including haematopoietic stem cell transplantation) * blood product transfusions * immunosuppressive agents.

Aplastic Anaemia – requiring treatment Means the Diagnosis of aplastic anaemia that results in anaemia, neutropenia and thrombocytopenia and requires interventionist treatment, such as the use of immunosuppressive agents, marrow stimulating agents or a bone marrow transplant.

Aplastic anaemia (requiring specified treatment) - Full Payment Bone marrow failure, which results in anaemia, neutropenia and thrombocytopenia requiring specified treatment, with at least one of the following: • blood product transfusions • marrow stimulating agents • immunosuppressive agents; or • bone marrow transplantation (including stem cell transplantation).

aplastic anaemia (requiring treatment) means bone marrow failure that meets both of the following: * is characterised by an almost complete absence of haematopoietic stem cells, resulting in low levels of red and white blood cells and platelets * requires treatment with one or more of the following: * immunosuppressive agents * bone marrow transplantation * bone marrow stimulating agents * peripheral blood stem cell transplant.

Benign Brain or Spinal Cord Tumour (resulting in irreversible neurological deficit) means a non-cancerous tumour in the brain (excludes non-intracranial section of the cranial nerves), meninges, pituitary gland, intracranial section of the cranial nerves or spinal cord, resulting in an irreversible neurological deficit which has caused: * permanent Whole Person Impairment of at least 25%; or * the Life Insured to be totally and permanently unable to perform any one of the Activities of Daily Living. The presence of the underlying tumour must be confirmed by CT Scan, MRI or other imaging studies. Cysts, granulomas, vascular aneurysms or haematomas are not covered.

Benign Brain or Spinal Cord Tumour with serious functional impairment means a non-cancerous tumour on the brain or spinal cord. 100% of the Sum Insured will be paid if the Benign Brain or Spinal Cord Tumour gives rise to symptoms of permanent neurological deficit and results in either; • the total and permanent inability to perform any one of the Activities of Daily Living; or • an impairment of at least 25% in whole person function, attributable to the above condition, as defined in the latest edition of the American Medical Association’s Guides to the Evaluation of Permanent Impairment. The requirements above will be waived if the Benign Brain or Spinal Cord Tumour with serious functional impairment is surgically removed on the advice of a consultant neurologist/neurosurgeon. Where the above is not met, 25% of the Sum Insured (up to a maximum of $50,000) will be paid for a diagnosis of a noncancerous tumour on the brain or spinal cord giving rise to symptoms of neurological deficit. The presence of the underlying tumour must be confirmed by a consultant neurologist/neurosurgeon based on imaging studies such as CT scan or MRI (Magnetic Resonance Imaging). Cysts, granulomas, cholesteatomas, malfunctions in or of the arteries or veins of the brain, haematomas and tumours in the pituitary gland are not covered. Benign Brain or Spinal Cord Tumour with severe functional impairment means a non-cancerous tumour of the brain or spinal cord giving rise to symptoms of permanent neurological deficit and results in either; • the total and permanent inability to perform at least two of the Activities of Daily Living; or • an impairment of at least 25% in whole person function, attributable to the above condition, as defined in the latest edition of the American Medical Association’s Guides to the Evaluation of Permanent Impairment. Cysts, granulomas, cholesteatomas, malfunctions in or of the arteries or veins of the brain, haematomas and tumours in the pituitary gland are not covered.

Benign brain or spinal cord tumour – of specified severity A non-cancerous tumour in the brain, meninges, orintracranial section of a cranial nerve, or an acoustic neuroma, or a non-cancerous tumour of the spinal cord. The presence of the tumour must be confirmed by imaging studies such as CT (Computed Tomography) or MRI (Magnetic Resonance Imaging), and result in: at least 25% permanent whole person impairment, or a permanent loss of the ability to perform one or more activities of daily living (ADL) without physical help from someone else, or the undergoing of neurosurgical intervention for its removal. The following are excluded: intracranial cysts, granulomas and haematomas intracranial malformation in or of the arteries and veins,and tumours of the pituitary gland.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Benign brain tumour (permanent impairment or requiring surgical intervention) means the diagnosis of a benign (non-malignant) tumour in the brain or an acoustic neuroma which results in the life insured or the insured child*: • suffering at least 25% permanent whole person impairment as defined in the American Medical Association ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment; or • being permanently unable to perform at least one of the activities of daily living without the physical assistance of another adult person; or • undergoing a craniotomy to remove the tumour. The following are not covered: • cysts, granulomas and cerebral abscesses • malformations in or of the arteries or veins of the brain • haematomas • tumours in or arising from the pituitary gland (including pituitary neuroendocrine tumours) • tumours in the spine. Benign spinal tumour (permanent impairment or requiring surgical intervention) means the diagnosis of a benign (non-malignant) tumour in the spinal cord resulting in the life insured or the insured child* either: * suffering at least 25% permanent whole person impairment as defined in the American Medical Association ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment * being permanently unable to perform at least one of the activities of daily living without the physical assistance of another adult person * undergoing invasive surgery to remove the tumour (excluding minimally invasive surgery such as but not limited to endoscopic).

Benign Brain or Spinal Cord Tumour – of specified severity A non-cancerous tumour in the brain, meninges, or intracranial section of a cranial nerve, or an acoustic neuroma, or a non-cancerous tumour of the spinal cord. The presence of the tumour must be confirmed by imaging studies such as CT scan or MRI, and result in: * at least 25% permanent Whole Person Impairment, or * a permanent loss of the ability to perform one or more Activities of Daily Living (ADL) without physical help from someone else, or * the undergoing of neurosurgical intervention for its removal. The following are excluded: * intracranial cysts, granulomas and haematomas * intracranial malformation in or of the arteries and veins, and * tumours of the pituitary gland.

Benign Brain Tumour Means a non-cancerous tumour in the brain or spinal cord which produces Permanent Neurological Deficit, resulting in: * neurological damage and functional impairment causing a total and irreversible inability to perform without the assistance of another person at least one of the 'Activities of Daily Living'; or * the undergoing of a surgery to remove the tumour. The presence of the tumour must be confirmed by imaging studies such as CT scan or MRI and the impairment must be certified by a Medical Specialist. We do not cover any of the following: * cysts, granulomas and cerebral abscesses; * malformations in, or of, the arteries or veins of the brain; * haematomas; or * tumours in, or of, the pituitary gland.

Benign brain or spinal cord tumour (resulting in irreversible neurological deficit) - Full Payment A benign tumour in the brain or spinal cord, causing an irreversible neurological deficit which results in you either: * suffering a permanent impairment of at least 25% of whole person function; or * being totally and permanently unable to perform any one of the activities of daily living; or * undergoing surgical removal of the tumour on the advice of a specialist medical practitioner in the field, such as a consultant neurologist or neurosurgeon. The presence of the underlying tumour must be confirmed on imaging studies such as computerised tomography (CT) scan, Magnetic Resonance Imaging (MRI) or other imaging studies. The following are not covered: * Cysts * Granulomas * Pituitary gland tumours * Pituitary gland haematomas * Malformations in or of the arteries or veins of the brain

benign tumour in the brain or spinal cord (with neurological deficit) means a non-malignant tumour in the brain or spinal cord which is histologically described and which produces neurological deficit, resulting in one of the following: * a permanent and irreversible inability to perform at least one of the activities of daily living * the undergoing of surgery to remove the tumour. The impairment must be certified by an appropriate medical specialist. The presence of the tumour must be confirmed by imaging studies such as CT scan or MRI or other equivalent diagnostic investigation. Benign tumour in the brain or spinal cord (with neurological deficit) doesn’t include any of the following: * cysts, granulomas and cerebral abscesses * malformations in, or of, the arteries or veins of the brain * tumours in or arising from the pituitary gland (including pituitary neuroendocrine tumours). Tumours in or arising from the pituitary gland are covered only if the life insured undergoes total surgical removal by open craniotomy.

Cancer (of specified criteria) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane.

Cancer means the histopathological or cytological diagnosis of one or more malignant tumours including sarcoma, lymphoma, leukaemia and other malignant bone marrow disorders, and characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue, but does not include the following: • all cancers which are histologically classified as having borderline malignancy or low malignant potential.

Cancer – excluding specified early stage cancers means any malignant tumour diagnosed with histopathological confirmation and characterised by: the uncontrolled growth of malignant cells invasion and destruction of normal tissue, and the ability to spread (metastasise) to other parts of the body. The term malignant tumour includes leukaemia and lymphoma.

Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia, lymphoma and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must be confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours.

Cancer – excluding specified early-stage cancers Means any malignant tumour diagnosed with histopathological confirmation and characterised by: • the uncontrolled growth of malignant cells, • invasion and destruction of normal tissue, and • the ability to spread (metastasise) to other parts of the body.

Cancer – advanced Means the Diagnosis of one of the following advanced cancers where all reasonable treatment options have been exhausted and there is evidence of progression, and the condition is unlikely to be cured Amount payable up to 100% Cancer – excluding specified early stage cancers Means the Diagnosis of a malignant cancer with histological or cytological confirmation and characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. Amount payable up to 50% Cancer – early stage cancers Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells Amount payable up to 10% (capped at $50,000)

Cancer (of specified criteria) - Full Payment Means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane The following are not covered: * All tumours which are histologically described as any of the following: * pre-malignant; * non-invasive (includes tumours that are classified as Tis, Cis or pTa unless stated otherwise); * low-grade or high-grade dysplasia; or * borderline or low malignant potential.

cancer (excluding early stage cancers) means the presence of a malignant tumour, including leukaemia, malignant lymphoma and other haemopoietic malignancies. The tumour must be both: confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. The severity of the condition will mean either: the life insured requires major interventionist therapy including surgery to remove the tumour, radiotherapy, chemotherapy, biological response modifiers or any other major treatment the tumour is sufficiently advanced such that major interventionist therapy is no longer recommended. Cancer (excluding early stage cancers) doesn’t include any of the following: * all cancers described as carcinoma in situ

Cancer (of specified criteria) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: the uncontrolled growth of malignant cells; and invasion and destruction of normal tissue beyond the basement membrane. The term malignant tumour includes leukaemia. The following are not covered: Chronic lymphocytic leukaemia unless it has progressed to Rai stage 1 or more.

Cancer means the histopathological or cytological diagnosis of one or more malignant tumours including leukaemia and characterised by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue, but does not include the following: • all cancers which are histologically classified as having borderline malignancy or low malignant potential.

Critical illness event definitions. Cancer – excluding specified early stage cancers means any malignant tumour diagnosed with histopathological confirmation and characterised by: * the uncontrolled growth of malignant cells * invasion and destruction of normal tissue, and * the ability to spread (metastasise) to other parts of the body. The term malignant tumour includes leukaemia

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must be confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours. The following cancers are not covered: • chronic lymphocytic leukaemia less than Rai Stage 1.

Cancer - excluding specified early stage cancers Means any malignant tumour diagnosed with histopathological confirmation and characterised by: * the uncontrolled growth of malignant cells, * invasion and destruction of normal tissue, and * the ability to spread (metastasise) to other parts of the body. The term malignant tumour includes leukaemia and lymphoma. The following are excluded: * Chronic lymphocytic leukaemia in its early stages (less than RAI stage 1).

Tier 1 Benefits • Cancer – advanced Amount payable up to 100% Means the Diagnosis of one of the following advanced cancers where all reasonable treatment options have been exhausted and there is evidence of progression, and the condition is unlikely to be cured: • leukaemia having progressed to at least RAI stage III Tier 2 Benefits • Cancer – excluding specified early stage cancers Amount payable up to 50% Means the Diagnosis of a malignant cancer with histological or cytological confirmation and characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. The term ‘malignant cancer’ includes leukaemia. It specifically includes: • chronic lymphocytic leukaemia progressed to at least RAI Stage I;

Cancer (of specified criteria) - Full Payment The term malignant tumour includes lymphoma (including Hodgkin’s and non-Hodgkin’s disease), leukaemia, multiple myeloma and malignant bone marrow disorders. The following are not covered: • Chronic lymphocytic leukaemia unless it has progressed to Rai stage 1 or more.

cancer (excluding early stage cancers) means the presence of a malignant tumour, including leukaemia, malignant lymphoma and other haemopoietic malignancies. Doesn’t include any of the following: chronic lymphocytic leukaemia less than Rai stage 1

Cancer (of specified criteria) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: the uncontrolled growth of malignant cells; and invasion and destruction of normal tissue beyond the basement membrane. melanoma: a. has evidence of metastasis; b. is at least Clark level 3; c. is showing signs of ulceration; or d. is greater than 1.0mm maximum thickness using the Breslow method.

Skin cancer where diagnosed by an appropriate specialist Medical Practitioner, we will pay: • 100% of the Sum Insured for any melanoma where the tumour is with ulceration or is diagnosed as 1mm or greater in Breslow’s depth of invasion or Clark Level 3 or greater in depth of invasion • the greater of 15% of the Sum Insured and $10,000 for any melanoma without ulceration and measuring less than 1mm in Breslow’s depth of invasion and less than Clark Level 3 in depth of invasion. The amount of the payment cannot exceed the Sum Insured, or • 100% of the Sum Insured for any non-melanoma skin cancer that has spread to the bone, lymph node, or another distant organ.

Cancer – excluding specified early stage cancers means any malignant tumour diagnosed with histopathological confirmation and characterised by: * the uncontrolled growth of malignant cells * invasion and destruction of normal tissue, and * the ability to spread (metastasise) to other parts of the body. melanoma that: - shows signs of ulceration as determined by histopathological examination - is greater than 1.0mm depth of invasion (Breslow), or - is at least Clark Level 3 of invasion.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia, lymphoma and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must be confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours. • Melanomas are covered if they have a TNM classification of at least T1b as determined by histological examination. The following cancers are not covered: • all other melanomas

Cancer – excluding specified early-stage cancers The following are excluded: * Skin cancer other than melanoma that: * shows signs of ulceration as determined by histopathological examination, or * is greater than 1.0 mm depth of invasion (Breslow), or * is at least Clark Level 3 of invasion. * Basal cell carcinoma of the skin. * Squamous cell skin carcinoma unless it has spread to other organs. * All non-melanoma skin cancers unless having spread to the bone, lymph node or an other distant organ. * Pituitary adenoma/pituitary neuroendocrine tumour (PitNET).

Tier 2 Benefits • Cancer – excluding specified early stage cancers Amount payable up to 50% Means the Diagnosis of a malignant cancer with histological or cytological confirmation and characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. It specifically includes: • melanoma skin cancers where the Breslow thickness is T1b or more or ulceration is present. Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • melanomas where the Breslow thickness is less than T1b

Cancer (of specified criteria) - Full Payment Means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane The term malignant tumour includes lymphoma (including Hodgkin’s and non-Hodgkin’s disease), leukaemia, multiple myeloma and malignant bone marrow disorders. The following are not covered: * All melanoma skin cancers unless having progressed to at least TNM classification T1bN0M0.

cancer (excluding early stage cancers) means the presence of a malignant tumour. Cancer (excluding early stage cancers) doesn’t include any of the following: • all skin cancers unless one of the following applies: – they have metastasised to other organs – the tumour is a malignant melanoma of stage T1bN0M0 or higher

Cancer (of specified criteria) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: the uncontrolled growth of malignant cells; and invasion and destruction of normal tissue beyond the basement membrane. All prostatic cancers are not covered unless the prostate cancer: a. has a Gleason score of 6 or more; or b. requires major interventional therapy including radiotherapy, chemotherapy, biological response modifiers or any other major treatment to arrest the spread of malignancy. If a surgical procedure is performed, it must be considered appropriate and necessary to arrest the spread of malignancy.

Prostate Cancer On the diagnosis of prostate cancer at a stage of T1b or greater (using the TNM classification system), 100% of the Sum Insured will be paid less any previous amount paid. Any stage of prostate cancer where you undergo major interventionist therapy, 100% of the Sum Insured will be paid less any previous amount paid. On the diagnosis of prostate cancer at a stage of T1a (using the TNM classification system), 100% of the Sum Insured is paid up to a restricted maximum of $500,000 across all policies that cover you. Any remaining benefit amount in excess of the $500,000 amount paid will be retained as a Crisis Recovery or Crisis Recovery Stand Alone Sum Insured. Major interventionist therapy includes, but is not limited to, prostatectomy, radiotherapy, brachytherapy, chemotherapy, biologic response modifiers or any other major treatment.

Cancer – excluding specified early stage cancers means any malignant tumour diagnosed with histopathological confirmation and characterised by: * the uncontrolled growth of malignant cells * invasion and destruction of normal tissue, and * the ability to spread (metastasise) to other parts of the body. prostate cancer: - it is histopathologically described as at least TNM classification T1c, or another equivalent classification,or - the Gleason score is 6 or more, or - the insured person is required to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or - the tumour is completely untreatable

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia, lymphoma and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must be confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours. • Prostatic cancer is covered if it is either: – a TNM classification of at least T1c – a Gleason score of at least 6 – required to have ‘major interventionist treatment’ to arrest the spread of malignancy. ‘Major interventionist treatment’ includes removal of the entire prostate, radiotherapy, chemotherapy, hormone therapy or any other similar interventionist treatment.

Cancer – excluding specified early-stage cancers The following are excluded: * All prostate cancer unless: * it is histopathologically described as at least TNM classification T1c, or another equivalent classification, or * the Gleason score is 6 or more, or * the person insured is required to undertake major interventionist therapy including radiotherapy, brachytherapy, chemotherapy, biological response modifiers or any other major treatment, or * the tumour is completely untreatable.

Tier 2 Benefits • Cancer – excluding specified early stage cancers Amount payable up to 50% Means the Diagnosis of a malignant cancer with histological or cytological confirmation and characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. It specifically includes: • cancers of the prostate where: – Diagnosed before age 55 and progressed to at least clinical stage T1a, T1b or T1c using the TNM clinical staging system; – progressed to at least clinical stage T1b or T1c on the TNM clinical staging system; – histologically classified as having a Gleason score of 7 or above; or – Major Cancer Treatment is required. Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • prostate cancer – Diagnosed after age 55 as clinical stage T1a using the TNM clinical staging system, or T1c where no immediate treatment is recommended

Cancer (of specified criteria) - Full Payment Means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane The following are not covered: * All prostatic cancer unless the prostate cancer: * has a gleason score of 6 or more; * has progressed to least TNM Classification T1c; or * requires major interventional therapy including radiotherapy, chemotherapy, biological response modifiers or any other major treatment to arrest the spread of malignancy.

Cancer (excluding early stage cancers) doesn’t include any of the following: • all cancers of the prostate unless one of the following applies: – histological classification is a Gleason score of 7 or above – the tumour has progressed to at least clinical stage T2bN0M0 on the TNM clinical staging system – major interventionist therapy or hormonal therapy has been undertaken specifically to arrest the spread of malignancy and was considered by treating doctors to be the appropriate and necessary treatment. Major interventionist therapy includes a total prostatectomy, chemotherapy, radiotherapy or brachytherapy.

Cancer (of specified severity) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: the uncontrolled growth of malignant cells; and invasion and destruction of normal tissue beyond the basement membrane. a. Carcinoma in situ of the breast which requires the removal of the entire breast. b. Carcinoma in situ of the breast which requires breast conserving surgery with either radiotherapy or chemotherapy.

Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: The full Sum Insured will be paid for Carcinoma in situ of the breast where the entire breast is removed or where other surgery and adjuvant therapy (such as radiotherapy and/or chemotherapy) is performed specifically to arrest the spread of malignancy, and this procedure is the appropriate and necessary treatment as confirmed by an appropriate specialist Medical Practitioner. Partial amount paid - The greater of $10,000 and 10% of the Sum Insured * breast – where no mastectomy is performed and is confirmed by a biopsy

Cancer – excluding specified early stage cancers. Excluding - Carcinoma in situ of the breast, except: * where it leads to the removal of the breast by a mastectomy, or * removal of the carcinoma in situ by breast conserving surgery (lumpectomy, complete local excision, wide local excision, partial mastectomy) together with radiotherapy or chemotherapy.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia, lymphoma and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. The tumour must be confirmed by histological examination, or appropriate pathological testing in the case of non-solid tumours. • Carcinoma in situ* of the breast is covered if either: – treatment requires the removal of the entire breast – treatment requires breast conserving surgery and adjuvant therapy (such as radiotherapy and/or chemotherapy).

Cancer - excluding specified early stage cancers Carcinoma In Situ of the Breast, where it leads to the removal of the breast by a mastectomy or removal of the carcinoma in situ by breast conserving surgery (lumpectomy, complete local excision, wide local excision, partial mastectomy), together with radiotherapy or chemotherapy. The procedure must be performed as a direct result of the carcinoma in situ and specifically to arrest the spread of malignancy, and be considered the necessary and appropriate treatment.

Tier 2 Benefits • Cancer – excluding specified early stage cancers Amount payable up to 50% Means the Diagnosis of a malignant cancer with histological or cytological confirmation and characterised by the uncontrolled growth of malignant cells and invasion and destruction of normal tissue. It specifically excludes: • Carcinoma In Situ, except where it requires Major Cancer Treatment; Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • Carcinoma In Situ of the breast where there is no immediate requirement for Major Cancer Treatment Major Cancer Treatment Means any of the following as the necessary and appropriate treatment to arrest the spread of malignancy of a cancer: • surgery to remove all breast tissue to treat breast cancer (including where performed with nipple and skin sparing surgery) to treat breast cancer; • breast conserving surgery accompanied by adjuvant therapy (such as radiotherapy and/or chemotherapy).

Cancer (of specified criteria) - Full Payment Means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane The following are not covered: All carcinoma in situ except the following: * Carcinoma in situ of the breast which requires the removal of the entire breast. * Carcinoma in situ of the breast which requires breast conserving surgery with either radiotherapy or chemotherapy.

Cancer (excluding early stage cancers) doesn’t include any of the following: * all cancers described as carcinoma in situ. Carcinoma in situ of the breast is covered only if it requires one of the following: * the removal of the entire breast, including nipple sparing mastectomy * breast conserving surgery and radiotherapy * breast conserving surgery and chemotherapy. Carcinoma in situ of the breast treated by breast conserving surgery and other forms of adjuvant systemic therapy, including endocrine manipulation therapy, hormonal manipulation therapy or non-endocrine adjuvant therapy, isn’t covered.

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Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured: * cervix-uteri - with a grading of either TNM stage TIS or CIN 3 or above

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Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • cervical adenocarcinoma in situ or cervical intraepithelial neoplasia at stage CIN III;

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Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: * fallopian tube - where the tumour must be classified as TIS according to the TNM staging method The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured

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Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: * ovary - where the tumour must be classified as TIS according to the TNM staging method The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured

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Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • Carcinoma In Situ of the ovary

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Carcinoma in situ (limited to certain bodily sites) * penis - where the tumour must be classified as TIS according to the TNM staging The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured

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Cancer (of specified criteria) means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: the uncontrolled growth of malignant cells; and invasion and destruction of normal tissue beyond the basement membrane. The following are covered: Carcinoma in situ of the testicle that requires removal of the entire testicle.

Carcinoma in situ (limited to certain bodily sites) * testicle where the tumour must be classified as TIS according to the TNM staging The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured:

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Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cancer (excluding less advanced cases) means the presence of one or more malignant tumours including leukaemia, lymphoma and Hodgkin’s disease characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. • Carcinoma in situ* of the testicle is covered if treatment requires the removal of the testicle

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Tier 3 Benefits • Cancer – early stage cancers Amount payable up to 10% (capped at $50,000) Means the Diagnosis of any of the following early stage cancers, characterised by the uncontrolled growth and spread of malignant cells: • Carcinoma In Situ of the testicle

Cancer (of specified criteria) - Full Payment Means any malignant tumours diagnosed with histological or cytological confirmation and characterised by: * the uncontrolled growth of malignant cells; and * invasion and destruction of normal tissue beyond the basement membrane The term malignant tumour includes lymphoma (including Hodgkin’s and non-Hodgkin’s disease), leukaemia, multiple myeloma and malignant bone marrow disorders. The following are not covered: All carcinoma in situ except the following: * Carcinoma in situ of the testicle that requires removal of the entire testicle.

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Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: * vagina - where the tumour must be classified as TIS according to the TNM staging method The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured:

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Carcinoma in situ (limited to the following bodily sites) – must be confirmed by histopathology: * vulva - where the tumour must be classified as TIS according to the TNM staging method The disease of Carcinoma in situ (limited to certain bodily sites) covered by this Policy must be confirmed by a biopsy and is limited to the following sites for which we will pay the greater of $10,000 and 10% of the relevant Sum Insured:

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Vital Organ and Digestive System Disorders Tier 3 Benefits - Ulcerative Colitis - Severe - maximum Trauma Cover Amount payable is 25% (capped at $100,000) Colostomy or Ileostomy Means the creation of a permanent non-reversible opening, linking the colon and/or ileum to the external surface of the body.

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Coma (of specified severity) means a state of unconsciousness which requires mechanical ventilation by means of tracheal intubation for at least three consecutive days (72 hours).

Coma means a definite diagnosis of a state of unconsciousness with failure to respond normally to external stimuli or respond to internal needs and requiring life support for a continuous period of at least 96 hours, for which period the Glasgow coma score must be 7 or less. Excluded from this definition is coma resulting from alcohol or drug abuse. The diagnosis of coma must be made by an appropriate specialist Medical Practitioner.

Coma - with specified criteria A loss of consciousness and responsiveness in which the insured person is incapable of sensing or responding to external stimuli that results in a documented Glasgow Coma Scale of 6 or less for a continuous period of at least 72 hours.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Coma (of specified severity) means total failure of cerebral function characterised by total unconsciousness and unresponsiveness to all external stimuli, resulting in a documented Glasgow Coma Scale of 6 or less, for a continuous period of at least 72 hours. Medically induced comas are excluded.

Coma – with specified criteria A loss of consciousness and responsiveness in which the life insured is incapable of sensing or responding to external stimuli that results in a documented Glasgow Coma Scale of 6 or less for a continuous period of at least 72 hours.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Coma - 72 hours - Maximum Trauma Cover Amount payable is up to 50% Coma - 72 hours Means the total failure of cerebral function characterised by total unconsciousness and unresponsiveness to all external stimuli, resulting in a documented Glasgow Coma Scale of 6 or less with the use of a life support system, for a continuous period of at least 72 hours. It specifically excludes medically induced comas.

Coma (of specified severity and duration) - Full Payment A prolonged state of total unconsciousness and unresponsiveness to all external stimuli, resulting in: * a Glasgow Coma Score (GCS) of 6 or less; and * requiring mechanical ventilation for a continuous period of at least 72 hours. The diagnosis of coma must be made by an appropriate specialist medical practitioner.

coma (of specified severity) means a state of unconsciousness with no reaction to external stimuli or internal function. The coma must have a documented Glasgow Coma Scale of eight or less and must continue for a continuous period of at least 72 hours. Coma (of specified severity) doesn’t include coma resulting from drug or alcohol intake.

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Diabetes – insulin dependent Means the Diagnosis of type 1 insulin dependent diabetes mellitus, first Diagnosed after age 30.

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Encephalitis (resulting in permanent neurological deficit) means the unequivocal diagnosis of encephalitis where the condition is characterised by severe inflammation of the brain resulting in permanent neurological deficit causing: * permanent Whole Person Impairment of at least 25%; or * the Life Insured being totally and permanently unable to perform any one of the Activities of Daily Living. The diagnosis must be confirmed by structural brain imaging, EEG and/or cerebrospinal fluid analysis. Meningococcal Septicaemia (resulting in significant permanent impairment) means the unequivocal diagnosis of meningococcal septicaemia causing: * permanent Whole Person Impairment of at least 25%; or * the Life Insured being totally and permanently unable to perform any one of the Activities of Daily Living. The diagnosis must be confirmed by blood culture analysis.

Viral Encephalitis with serious functional impairment means severe inflammation of the brain (cerebral hemisphere, brainstem or cerebellum) caused by viral infection resulting in either: • the total and permanent inability to perform any one of the Activities of Daily Living, or • an impairment of at least 25% in whole person function, attributable to the above condition, as defined in the latest edition of the American Medical Association’s Guides to the Evaluation of Permanent Impairment. Diagnosis must be confirmed by a consultant neurologist. Bacterial Meningitis with serious functional impairment means you are diagnosed with bacterial meningitis. The meningitis must give rise to symptoms of permanent neurological deficit and results in either; • the total and permanent inability to perform at least one of the Activities of Daily Living; or • an impairment of at least 25% in whole person function, attributable to the above condition, as defined in the latest edition of the American Medical Association’s Guides to the Evaluation of Permanent Impairment. Diagnosis must be confirmed by a consultant neurologist.

Encephalitis – of specified severity Severe inflammation of brain substance which results in the insured person suffering either: at least 25% permanent whole person impairment, or permanent loss of the ability to perform one or more activities of daily living (ADL) without physical help from someone else, or permanent severe cognitive impairment. The permanent loss or impairment described above must have existed continuously for at least six months. Bacterial meningitis – of specified severity Severe inflammation of the membrane that surrounds the brain and spinal cord which results in either: a permanent whole person impairment of at least 25%, or a permanent loss of the ability to perform one or more activities of daily living (ADL) without physical help from someone else

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Encephalitis (permanent and irreversible) means the severe inflammatory disease of the brain resulting in neurological deficit causing either: • at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment • a total and irreversible inability to perform at least one activity of daily living without another adult person assisting. Meningitis and/or meningococcal disease (permanent and irreversible) means meningitis or meningococcal septicaemia causing either: • at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment • a total and irreversible inability to perform at least one activity of daily living without another adult person assisting.

Encephalitis – of specified severity Severe inflammation of brain substance which results in the life insured suffering either: * at least 25% permanent Whole Person Impairment, or * permanent * loss of the ability to perform one or more Activities of Daily Living (ADL) without physical help from someone else, or * Severe cognitive impairment (with a score of 15 or less out of 30 in a Mini Mental State Examination, or evidence of an equivalent severity on another standardised cognitive assessment test acceptable to us) which leads to the need for continuous supervision to protect the life insured or other people. A Mini Mental State Examination tests various functions including arithmetic ability, memory and physical orientation to assess cognitive ability. The permanent loss or impairment described above must have existed continuously for at least six months. Bacterial Meningitis – of specified severity Severe inflammation of the membrane that surrounds the brain and spinal cord which results in either: * at least 25% permanent Whole Person Impairment, or * a permanent loss of the ability to perform one or more Activities of Daily Living (ADL) without physical help from someone else.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 3 Benefits - Bacterial Meningitis or Viral Encephalitis - Up to 25% (capped at $100,000) Bacterial Meningitis Means the Diagnosis of bacterial meningitis, causing Permanent Neurological Deficit. It specifically excludes bacterial meningitis in the presence of HIV infection and all other forms of meningitis, including viral and other immunocompromised states. Viral Encephalitis Means the Diagnosis of viral encephalitis, causing Permanent Neurological Deficit.

Encephalitis and meningitis (resulting in significant permanent neurological impairment) - Full Payment The unequivocal diagnosis of encephalitis or meningitis where the condition is characterised by severe inflammation of the brain, or the meninges of the brain, resulting in permanent neurological impairment causing: * a permanent impairment of at least 25% of whole person function; or * you to be totally and permanently unable to perform any one of the activities of daily living. Meningococcal Disease (resulting in significant permanent impairment) The unequivocal diagnosis of meningococcal septicaemia resulting in: * a permanent impairment of at least 25% of whole person function; or * you being totally and permanently unable to perform any one of the activities of daily living.

encephalitis (with permanent neurological deficit) means an inflammatory disease of the brain caused by viral or bacterial infection, resulting in permanent neurological deficit and one of the following: * a permanent and irreversible inability to perform at least one of the activities of daily living without the help of another adult person * permanent and irreversible whole person impairment of at least 25%. The impairment must be certified by an appropriate medical specialist.

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Cardiomyopathy (permanent) means a disease of the heart muscle characterised by structural, functional and/or electrophysiological dysfunction of the heart muscle, resulting in significant permanent and irreversible cardiac impairment to the degree of at least Class III of the New York Heart Association classification of cardiac impairment. The diagnosis, severity of the condition as well as the permanency of cardiac impairment must be confirmed by an appropriate specialist Medical Practitioner.

Crisis Events Cardiomyopathy with permanent and serious impairment means a condition of impaired ventricular function of variable aetiology (often not determined) resulting in a permanent physical impairment to the degree of at least Class III on the New York Heart Association classification of cardiac impairment. The New York Heart Association classifications are: Class I – no limitation of physical activity, no symptoms with ordinary physical activity. Class II – slight limitation of physical activity, symptoms occur with ordinary physical activity. Class III – marked limitation of physical activity and comfortable at rest, symptoms occur with less than ordinary physical activity. Class IV – symptoms with any physical activity and may occur at rest, symptoms increased in severity with any physical activity.

Cardiomyopathy – of specified severity. The inability of the heart muscle to function properly resulting in permanent physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cardiomyopathy (permanent and irreversible) means impaired ventricular function of variable aetiology resulting in permanent and irreversible physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Cardiomyopathy - of specified severity The inability of the heart muscle to function properly resulting in permanent physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Cardiomyopathy - maximum Trauma amount payable is up to 50% of cover amount Cardiomyopathy Means the Diagnosis of cardiomyopathy with permanently impaired ventricular function resulting in significant permanent physical impairment to the degree of Class 3 or more of the New York Heart Association or equivalent classification of cardiac impairment.

Cardiomyopathy (permanent and irreversible) - Full Payment A permanent and irreversible condition of the heart muscle with impaired ventricular function of variable aetiology (often not determined) resulting in: * significant physical impairment to the degree of at least Class III on the New York Heart Association classification of cardiac impairment; or * a persistent left ventricular ejection fraction of less than or equal to 35% despite optimal medical therapy.

cardiomyopathy (with significant permanent impairment) means impaired ventricular function resulting in significant permanent physical impairment. The degree of impairment must be at least Class III of the New York Heart Association classification of cardiac impairment.

Angioplasty means the actual undergoing of Coronary Artery Angioplasty to correct a narrowing or blockage of one or more coronary arteries. More than one payment can be made for Angioplasty, as long as the first Angioplasty procedure ever undergone by the Life Insured occurred after the Plan start date. The following conditions apply to Critical Illness Insurance Standard Plan for Angioplasty: * each Angioplasty procedure occurring at least six months after the previous Angioplasty; and * a maximum of three payments. The amount to be paid is reduced to 25% of the Benefit amount to a maximum of $50,000.

Coronary Artery Angioplasty means the actual undergoing of either: • balloon angioplasty • insertion of a stent • atherectomy, or • laser therapy to correct a narrowing or blockage of coronary arteries within the same procedure. Angiographic evidence, indicating obstruction of the coronary arteries is required to confirm the need for this procedure. The procedure must be considered necessary by a cardiologist to correct or treat coronary artery disease. The following limitations apply to the payment of the Crisis Recovery, Double Crisis Recovery or Crisis Recovery Stand Alone benefit in respect of a Coronary Artery Angioplasty. If you are diagnosed with a Coronary Artery Angioplasty, we will pay: • 25% of the Sum Insured, with a maximum of $25,000, where one coronary artery is obstructed and corrected with the use of angioplasty, atherectomy, laser therapy or the insertion of up to two stents. • 50% of the Sum Insured, with a maximum of $50,000, where two coronary arteries are obstructed and corrected with the use of either angioplasty, atherectomy or laser therapy, or the insertion of more than two stents (regardless of the number of coronary arteries involved). • For Partial payments under Coronary Artery Angioplasty, multiple claims may be made under the Crisis Recovery benefit. • 100% of the Sum Insured where three or more coronary arteries are obstructed and corrected with the use of angioplasty, atherectomy, laser therapy or stents. This procedure can be completed in one procedure or via multiple procedures within a three-month period.

An operation to correct narrowing or obstruction of one or more coronary arteries. Intra-arterial investigation procedures are excluded. If coronary artery angioplasty occurs, and your Critical Illness Cover sum insured is at least $100,000, the benefit paid will be 10% of your sum insured up to a maximum of $20,000. More than one payment can be made for coronary artery angioplasty.

We pay 10% for two conditions under Comprehensive and Premier Cover Angioplasty - single or double vessel means the undergoing of angioplasty (with or without an insertion of a stent or laser therapy) that is considered necessary on the basis of angiographic evidence to correct a narrowing or blockage of one or more coronary arteries

Coronary Artery Angioplasty An operation to correct narrowing or obstruction of one or more coronary arteries. Intra-arterial investigation procedures are excluded. This critical condition applies only for policies where the Critical Illness benefit is $100,000 or more. The benefit payable for this critical condition is 10% of the life insured’s Critical Illness benefit up to a maximum of $20,000 per event. After this benefit is paid, this insurance will continue, with the benefit reduced by the amount paid. Critical Illness premiums will be reduced in line with the reduced benefit. A benefit will be paid for subsequent angioplasty procedures provided that they are necessary.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 3 Benefits - Angioplasty - Single or Double Vessel - maximum Trauma amount payable is up to 25% of cover amount (capped at $25,000) Angioplasty - single or double vessel Means undergoing angioplasty on one or two arteries in a single procedure to treat coronary artery disease. The procedure must be considered the necessary and appropriate treatment by a Medical Specialist, and supported by angiographic evidence of the coronary artery disease.

Coronary artery angioplasty - Full Payment The actual undergoing of either angioplasty or stenting on one or more coronary arteries to treat coronary artery disease.

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Angioplasty for Triple Vessel Disease means the actual undergoing for the first time of coronary artery angioplasty to correct a narrowing and/or blockage in three or more of the following major arteries in a single procedure: * left main coronary artery; * left anterior descending coronary artery; * left circumflex coronary artery; * right coronary artery. In the event that not all coronary arteries can be corrected in a single procedure and a second procedure is required, a benefit will be payable provided the second procedure occurs no more than two months after the first.

100% of the Sum Insured will be payable where three or more coronary arteries are obstructed and corrected with the use of angioplasty, atherectomy, laser therapy or stents. This procedure can be completed in one procedure or via multiple procedures within a three-month period.

Coronary artery angioplasty – three or more different coronary arteries. The actual undergoing of an operation to correct narrowing or obstruction of three or more different coronary arteries when considered the necessary and appropriate treatment. This procedure can be completed in one procedure or via multiple procedures within a two month period.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Angioplasty – triple vessel means the undergoing of angioplasty to three or more coronary arteries or their branches, during a single surgical procedure, or two procedures no more than three months apart.

Coronary Artery Angioplasty - Three or More Different Coronary Arteries The actual undergoing of an operation to correct narrowing or obstruction of three or more different coronary arteries when considered the necessary and appropriate treatment. This procedure can be completed in one procedure or via multiple procedures within a three month period. The benefit payable is 100% of the life insured’s Critical Illness benefit.

Angioplasty – triple vessel Means undergoing an angioplasty to three or more coronary arteries or their branches, either in a single procedure, or in multiple procedures within three months of the original procedure. The procedure must be considered the necessary and appropriate treatment by a Medical Specialist and should be supported by angiographic evidence or other relevant evidence indicating obstruction of the coronary arteries. It specifically excludes any other angioplasty, intra-arterial procedures and other non-surgical procedures. Tier 2 Benefits - Angioplasty - Triple Vessel - maximum Trauma amount payable is up to 50% of cover amount

Triple Vessel Angioplasty - Full Payment The actual undergoing for the first time of coronary artery angioplasty to correct a narrowing or blockage of three or more coronary arteries within the same procedure. In the event that not all coronary arteries can be corrected in a single procedure and a second procedure is required, a benefit will be payable provided the second procedure occurs no more than three months after the first.

angioplasty (triple vessel) means the actual undergoing of angioplasty to three or more coronary arteries or their branches, within the same procedure or via two procedures no more than three months apart. Angiographic evidence showing obstruction is required to confirm that the procedure is medically necessary.

Coronary Artery Bypass Surgery means bypass grafting performed to correct or treat coronary artery disease.

Coronary Artery Bypass Surgery means the actual undergoing of by-pass surgery (including saphenous vein or internal mammary graft(s) for the treatment of coronary artery disease. The operation must be for the treatment of one or more coronary arteries and angioplasty contra-indicated and must be considered necessary by a consultant cardiologist.

Coronary artery bypass surgery – excluding less invasive procedures: The surgical grafting of a bypass to a coronary artery to overcome narrowing or obstruction, excluding coronary artery angioplasty, intra-arterial procedures or other non-surgical procedures.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Coronary artery by-pass surgery means the undergoing of coronary artery by-pass surgery that is considered necessary to treat coronary artery disease causing inadequate myocardial blood supply. Surgery does not include angioplasty – single or double vessel, intra-arterial procedures or non-surgical techniques.

Coronary Artery Bypass Surgery – excluding less invasive procedures The surgical grafting of a bypass to a coronary artery to overcome narrowing or obstruction, excluding coronary artery angioplasty, intra-arterial procedures or other non-surgical procedures.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Angioplasty - Coronary Artery Bypass Surgery - maximum Trauma amount payable is up to 50% of cover amount Coronary Artery Bypass Surgery Means the undergoing of coronary artery bypass surgery to one or more coronary arteries as the necessary and appropriate treatment of coronary artery disease.

Coronary artery bypass surgery - Full Payment Bypass grafting performed to correct or treat coronary artery disease.

coronary artery bypass surgery means the actual undergoing of coronary artery bypass surgery which is considered medically necessary to correct or treat coronary artery disease. Coronary artery bypass surgery doesn’t include angioplasty, other intra-arterial procedures, or laser procedures.

Heart Attack (of specified severity) means the death of a portion of the heart muscle because of inadequate blood supply to the relevant area. The diagnosis must be supported by diagnostic rise and/ or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference limit and at least one of the following: * signs and symptoms of ischaemia consistent with acute myocardial infarction; * ECG changes indicative of new ischaemia (new ST-T changes or new left bundle branch block [LBBB]); * development of pathological Q waves in the ECG; or * imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above tests are inconclusive, other appropriate and medically recognised tests will be considered or, if at least three months after the event the insured’s left ventricular ejection fraction is less than 50%. The following are not covered: * A rise in biological markers because of an elective percutaneous procedure for coronary artery disease. * Other acute coronary syndromes including but not limited to angina pectoris.

Heart Attack (myocardial infarction) of specified severity means the death of heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis must be confirmed by a cardiologist and evidenced by typical rise and/or fall of cardiac biomarker blood test (Troponin T, Troponin I or CK-MB) with at least one level above the 99th percentile of the upper reference limit PLUS: * acute cardiac symptoms and signs consistent with myocardial infarction (e.g. chest pain), OR * new serial ECG changes with the development of any of the following: ST elevation or depression, T wave inversion, pathological Q waves or left bundle branch block (LBBB), OR * imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above tests are inconclusive we will consider other appropriate and medically recognised tests. Other acute coronary syndromes including but not limited to angina pectoris are excluded.

Heart attack - with evidence of heart muscle damage: heart attack (Myocardial Infarction) means the death of part of the heart muscle because of inadequate blood supply, confirmed by a cardiologist and evidenced by typical rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference range together with any one of the following: * typical acute cardiac symptoms and signs consistent with heart attack, or * new ischaemic ECG changes showing the development of any one of the following: - ST-T changes - left bundle branch block (LBBB), or - pathological Q waves, or * imaging evidence of new and irreversible: - loss of viable myocardium, or - regional wall motion abnormality, or * left ventricular ejection fraction less than 50%, at least three months after the event. Elevated biomarkers and signs and symptoms that arise from causes other than heart attack, are excluded, including those as a result of elective percutaneous procedures and other acute coronary syndromes. If the above tests are inconclusive or superseded by technological advances, we’ll consider other appropriate and medically recognised tests.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Heart attack (diagnosed) means the death of a portion of heart muscle arising from inadequate blood supply to the relevant area. The diagnosis must be supported by a diagnostic change in cardiac biomarkers with at least one value above the 99th percentile of the upper reference limit and at least one of the following: • acute cardiac symptoms and signs consistent with myocardial infarction • acute ECG changes indicative of acute ischaemia (new ST-T changes, new T wave changes, or new left bundle branch block (LBBB)) • new pathological Q waves. • imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above test results are inconclusive, not undertaken or the tests are superseded due to technical advances, we will consider other appropriate and medically recognised tests that unequivocally diagnose acute symptomatic myocardial infarction. The following are not covered under this definition: • other acute coronary syndromes including but not limited to angina pectoris, where there is no biochemical evidence of myocardial injury • myocardial infarctions arising from elective percutaneous coronary interventions or coronary artery bypass grafting • elevations of troponins in the absence of an ischaemic disease (for example but not limited to, myocarditis, apical ballooning (Takotsubo cardiomyopathy), cardiac contusion, pulmonary embolism or drug toxicity).

Heart Attack – with evidence of heart muscle damage Heart Attack (Myocardial Infarction) means the death of part of the heart muscle because of inadequate blood supply, confirmed by a Cardiologist and evidenced by: • typical rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference range together with any one of the following: - typical acute cardiac symptoms and signs consistent with heart attack, or - new ischaemic ECG changes showing the development of any one of the following: > ST-T changes > left bundle branch block (LBBB), or > pathological Q waves, or - imaging evidence of new and irreversible: > loss of viable myocardium, or > regional wall motion abnormality, or - left ventricular ejection fraction less than 50%, at least three months after the event. Elevated biomarkers and signs and symptoms that arise from causes other than heart attack, are excluded, including those as a result of elective percutaneous procedures and other acute coronary syndromes. If the above tests are inconclusive or superseded by technological advances, we’ll consider other appropriate and medically recognised tests.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Heart Attack – with specified clinical evidence - maximum Trauma amount payable is up to 50% of cover amount Heart Attack – with specified clinical evidence Means the Diagnosis of myocardial infarction (death of a portion of the heart muscle) as a result of inadequate blood supply to the relevant area, as measured by the tests specified below. The Diagnosis must be supported by a diagnostic rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference limit and at least one of the following: • symptoms of ischaemia consistent with myocardial infarction • ECG changes indicative of new ischaemia (new ST-T changes or new left bundle branch block); • development of new pathological Q waves on the ECG; • new regional wall motion abnormality persisting for at least six weeks and confirmed on cardiac imaging including echocardiogram, cardiac CT, cardiac MRI or cardiac radio nuclear scan. If the above tests are inconclusive or unable to be met we will consider other appropriate and medically recognised tests. The above specifically excludes: • a rise in biological markers as a result of an elective keyhole procedure for coronary artery disease; • pulmonary embolisms; • viral myocarditis; and • other acute coronary syndromes including but not limited to angina pectoris.

Heart attack (with evidence of heart muscle damage) - Full Payment The death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis must be supported by diagnostic rise and/or fall of cardiac biomarkers with at least one value above the 99th percentile of the upper reference limit and at least one of the following: * signs and symptoms of ischaemia (inadequate blood supply to the heart muscle) consistent with a heart attack * ECG changes indicative of new ischaemia (new ST-T changes or new left bundle branch block [LBBB]) * development of pathological Q waves in the ECG; or * imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above tests are inconclusive, other appropriate and medically recognised tests will be considered. The following are not covered: * a rise in biological markers as a result of an elective percutaneous procedure for coronary artery disease; and * other acute coronary syndromes including, but not limited to, angina pectoris.

heart attack (of specified severity) means the death of a portion of the heart muscle resulting from inadequate blood supply to the relevant area. The diagnosis must be supported by a diagnostic change of cardiac biomarkers with at least one value above the 99th percentile of the upper reference limit and at least one of the following: * acute cardiac signs and symptoms consistent with myocardial infarction * acute ECG changes indicative of acute ischaemia (new ST-T changes, new T wave changes or new left bundle branch block (LBBB)) * new pathological Q waves * imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. If the above tests are inconclusive, not undertaken or the tests are superseded due to technical advances, we’ll consider other appropriate and medically recognised tests that unequivocally diagnose acute symptomatic myocardial infarction of the same degree of severity, or greater, as outlined above. The following are not covered under this definition: * other acute coronary syndromes including but not limited to angina pectoris, where there is no biochemical evidence of myocardial injury * myocardial infarctions arising from elective percutaneous coronary interventions or coronary artery bypass grafting * elevations of troponins in the absence of an ischaemic cause (for example but not limited to, myocarditis, apical ballooning (Takotsubo cardiomyopathy), cardiac contusion, pulmonary embolism or drug toxicity) * myocardial infarction not associated with an acute episode of cardiac symptoms and/or signs, acute ECG changes or changes in cardiac biomarkers.

Heart Valve Surgery means surgery to replace or repair a cardiac valve because of a cardiac valve abnormality or other cardiac defects.

‘HEART VALVE SURGERY’ The actual undergoing of a procedure to replace or repair cardiac valves as a consequence of heart valve defects or abnormalities occurring after the commencement date or last reinstatement date of the policy. Valvotomy is specifically excluded.

Heart valve surgery – of specified severity: The surgical repair or replacement of a defective heart valve or valves, as a consequence of heart valve defects or abnormalities that cannot be corrected by non-surgical techniques.

We pay 10% for two conditions under Comprehensive and Premier Cover Heart surgery (less invasive) means the undergoing of a catheter based endovascular valve repair or valve implantation as a consequence of heart valve defects or abnormalities. Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Heart valve surgery means the undergoing of open chest surgery that is considered necessary to correct or replace cardiac valves as a consequence of heart valve defects or abnormalities.

Heart Valve Surgery - of specified severity The surgical repair or replacement of a defective heart valve or valves, as a consequence of heart valve defects or abnormalities that cannot be corrected by non-surgical techniques.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 3 Benefits - Heart Surgery - Keyhole Procedure - up to 25% cover (capped at $25,000) Heart Surgery – keyhole procedure Means the undergoing of heart surgery using an endoscopic procedure, or via a catheter, or endovascular method, to treat a heart valve defect or heart valve abnormality.

Heart valve surgery - Full Payment Surgery to replace or repair a cardiac valve as a consequence of a cardiac valve abnormality or a cardiac aneurysm or other cardiac defects.

heart valve surgery means surgery considered medically necessary to repair or replace cardiac valves due to heart valve defects or abnormalities that can’t be corrected by non-surgical techniques. Heart valve surgery doesn’t include angioplasty or intraarterial procedures.

Open Heart Surgery means the undergoing of open chest surgery for the surgical treatment of a cardiac defect, cardiac aneurysm or benign cardiac tumour.

Coronary Artery Bypass Surgery means the actual undergoing of bypass surgery (including saphenous vein or internal mammary graft(s)) for the treatment of coronary artery disease. The operation must be for the treatment of one or more coronary arteries and angioplasty contra-indicated and must be considered necessary by a consultant cardiologist.

Open heart surgery for the treatment of a cardiac defect, cardiac aneurysm or benign cardiac tumour.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Open chest surgery means the undergoing of open chest surgery via sternotomy or thoracotomy, that is considered necessary to correct a cardiac defect, cardiac aneurysm or cardiac tumour. Minimally invasive procedures including mini-thoracotomy, and other non-surgical techniques, are excluded.

Open heart surgery Open heart surgery for the treatment of a cardiac defect, cardiac aneurysm or benign cardiac tumour.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Heart Surgery – open heart surgery – with specified clinical evidence - maximum Trauma amount payable is up to 50% of cover amount Heart Surgery – open heart surgery Means surgery with a sternotomy or thoracotomy (surgical division of the breast bone) to the heart, heart valves or aorta confirmed by a Medical Specialist as the necessary and appropriate treatment. It specifically excludes angioplasty, intra-arterial procedures and treatment without surgery, even where these are necessary and recommended.

Open heart surgery - Full Payment The undergoing of open chest surgery for the surgical treatment of a cardiac defect, cardiac aneurysm or benign cardiac tumour.

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Out of Hospital Cardiac Arrest (requiring cardiopulmonary resuscitation) means a loss of cardiac output resulting in unresponsiveness and requiring cardiopulmonary resuscitation intervention, that is not associated with any medical procedure and is due to: * cardiac asystole; or * ventricular fibrillation with or without ventricular tachycardia. The cardiac arrest must occur outside of a hospital and be documented by electrocardiogram (ECG). If ECG evidence is not available, other medical evidence that unequivocally confirms a cardiac arrest has occurred will be considered. Such evidence may include ambulance or hospital medical records. Cardiac arrest resulting from alcohol or drug abuse is excluded.

Cardiac Arrest means sudden loss of heart function which meets all of the following: A) it is due to one of: • cardiac asystole, or • ventricular fibrillation with or without ventricular tachycardia, or • pulseless electrical activity, or • pulseless ventricular tachycardia, and B) it isn't associated with any medical procedure, and C) its occurrence is confirmed by an electrocardiogram (ECG) or, if an ECG is not available, by such alternative medical evidence reasonable in the circumstance that is accepted by us. Such evidence may include Automated External Defibrillator (AED) data, ambulance or hospital medical records, documented administration of cardiopulmonary resuscitation (CPR) by an attending ambulance officer or hospital clinical staff. Cardiac arrest secondary to alcohol or drug abuse is excluded.

Cardiac arrest which is not associated with any medical procedure and is documented by an electrocardiogram (ECG), occurs out of hospital and is due to cardiac asystole or ventricular fibrillation with or without ventricular tachycardia. If an ECG is not available, we will reasonably consider other evidence which unequivocally confirms a cardiac arrest has occurred. Such evidence may include Automated External Defibrillator (AED) data, ambulance or hospital medical records, documented administration of cardiopulmonary resuscitation (CPR) by an attending ambulance officer or hospital clinical staff.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cardiac arrest (out of hospital) means cardiac arrest (cessation of cardiac function resulting in loss of consciousness, loss of respiratory effort and loss of signs of circulation) that is not associated with any medical procedure, occurs out of hospital or any other medical facility, and is documented by an electrocardiogram (ECG) showing asystole or ventricular fibrillation. If an ECG isn’t available, we’ll consider other medical evidence that confirms an out of hospital cardiac arrest has occurred. Examples of suitable evidence include but aren’t limited to: * ambulance and hospital medical reports confirming cardiac arrest * documentation of the administration of Cardiopulmonary Resuscitation (CPR) by an attending ambulance officer or hospital clinical staff * Automated External Defibrillator (AED) data. Cardiac arrest related to alcohol, drug or medication abuse is excluded.

Out of Hospital Cardiac Arrest Cardiac arrest which is not associated with any medical procedure and is documented by an electrocardiogram (ECG), occurs out of hospital and is due to cardiac asystole or ventricular fibrillation with or without ventricular tachycardia. If an ECG is not available, we will reasonably consider other evidence which unequivocally confirms a cardiac arrest has occurred. Such evidence may include Automated External Defibrillator (AED) data, ambulance or hospital medical records, documented administration of cardiopulmonary resuscitation (CPR) by an attending ambulance officer or hospital clinical staff.

Out of Hospital Cardiac Arrest Means cardiac arrest that is not associated with any medical procedure, is documented by a 12-lead electrocardiogram (ECG) or other medical evidence, occurs out of hospital and is due to: * Cardiac Asystole; or * Ventricular fibrillation with or without ventricular tachycardia. If an ECG is not available, we’ll consider other medical evidence confirming that an out of hospital cardiac arrest has occurred. Examples of suitable medical evidence include but are not limited to: * ambulance and hospital medical reports confirming cardiac arrest; * the administration of Cardiopulmonary Resuscitation (CPR) by an attending ambulance officer or hospital clinical staff. Cardiac arrest resulting from alcohol or illicit drug use or substance abuse is excluded.

Out of hospital cardiac arrest (excluding medical procedures) - Full Payment A loss of cardiac output that is not associated with any medical procedure and is due to: * cardiac asystole; or * ventricular fibrillation with or without ventricular tachycardia. The cardiac arrest must occur outside of a hospital and be documented by: * electrocardiogram; or * where electrocardiogram evidence is not available, other medical evidence that unequivocally confirms a cardiac arrest has occurred (including ambulance or hospital medical records).

cardiac arrest (out of hospital) means cardiac arrest (cessation of cardiac function resulting in loss of consciousness, loss of respiratory effort and loss of signs of circulation) that isn’t associated with any medical procedure, occurs out of hospital or any other medical facility, and is documented by an electrocardiogram (ECG) showing asystole or ventricular fibrillation. If an ECG isn’t available, we’ll consider other medical evidence that confirms an out of hospital cardiac arrest has occurred. Examples of suitable evidence include but aren’t limited to: * ambulance and hospital medical reports confirming cardiac arrest * documentation of the administration of Cardiopulmonary Resuscitation (CPR) by an attending ambulance officer or hospital clinical staff * Automated External Defibrillator (AED) data. Cardiac arrest related to alcohol, drug or medication abuse is excluded.

Medically-Acquired HIV (contracted from a medical procedure or operation) means accidental infection, after the Plan start date, with the human immunodeficiency virus (HIV) where the virus was acquired in Australia by the Life Insured from one of the following medically necessary events conducted by a recognised and registered health professional: * a blood transfusion; * transfusion with blood products; * organ transplant to the Life Insured; * assisted reproductive techniques; or * a medical procedure or operation performed by a Medical Practitioner or dentist. Notification and proof of the incident will be required via a statement from the appropriate Statutory Health Authority that the infection was medically acquired. HIV infection transmitted by any other means including sexual activity or the use of drugs, other than as prescribed by a Medical Practitioner for the Life Insured is excluded. This Critical Illness event will not apply and no payment will be made where: * the Life Insured has not followed the advice of a Medical Practitioner; or * a functional cure has become available. A functional cure is where the Life Insured had: * been fully cured from the HIV infection; or * achieved a level of health where the HIV infection does not prevent the Life Insured from working in their Own Occupation. We will make this assessment based on the opinion from the relevant medical specialist and/or relevant governing body of the Life Insured’s profession, if applicable.

Accidental HIV Infection means infection with the Human Immunodeficiency Virus (HIV) acquired by accident or violence during the course of your normal occupation or through the medium of a blood transfusion, transfusion of blood products, organ transplant, assisted reproduction technique or other medical procedure or operation performed by a doctor or at a recognised medical facility. Sero-conversion evidence of the HIV infection must occur within six months of the accident and must be verified by an appropriate Medical Practitioner. HIV infection transmitted by any other means, including but not limited to sexual activity or non-medical intravenous drug use, is not Accidental HIV Infection under the Policy. Any accident giving rise to a potential claim must be supported by a negative HIV antibody test taken within seven days after the accident. We must be given access to test independently all blood samples used, if we require. We retain the right to take further independent blood tests or other medically accepted HIV tests.

HIV contracted through medical procedures: accidental infection with Human Immunodeficiency Virus (HIV) as a direct result of one of the following medical procedures: * blood transfusion, or transfusion with blood products * organ transplant to the insured person * assisted reproductive techniques, or * any other procedure or operation performed by a doctor or dentist. The procedure must have occurred in Australia and have been performed by a recognised and registered doctor or dentist.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover HIV (medically acquired) means the accidental infection with Human Immunodeficiency Virus (HIV) which we believe, on the balance of probabilities, arose from one of the following medically necessary events which must have occurred to the life insured in Australia as a result of a procedure authorised by a recognised health professional: • a blood transfusion • transfusion with blood products • organ transplant to the life insured • assisted reproductive techniques • a medical procedure or operation performed by a doctor or a dentist. Notification and proof of the incident will be required via a statement from the appropriate Statutory Health Authority that the infection is medically acquired. We must have open access to all blood samples and be able to obtain independent testing of such blood samples. There will be no Cover and no benefit payable if a medical ‘cure’ is found for AIDS or the effects of HIV, or a medical treatment is developed that prevents AIDS occurring. ‘Cure’ means any Australian Government approved treatment, which renders HIV inactive and non-infectious. HIV infection acquired by any other means, including infection as a result of sexual activity or recreational intravenous drug use, is excluded.

HIV contracted through medical procedures Accidental infection with Human Immunodeficiency Virus (HIV) as a direct result of one of the following medical procedures: • blood transfusion, or transfusion with blood products • organ transplant to the life insured • assisted reproductive techniques • any other procedure or operation performed by a medical practitioner or dentist. The procedure must have occurred in Australia and have been performed by a recognised and registered medical practitioner or dentist.

Means the Human Immunodeficiency Virus (HIV) acquired in Australia: * from a blood transfusion or organ transplant performed by a registered Health Professional in Australia, where the relevant Health Authority provides proof that the procedure caused the infection; or * as a victim of a physical or sexual assault. There must have been a negative HIV antibody test within 14 days of the relevant incident, followed by a positive HIV antibody test within six months of the event. We must have access to all the blood test results and blood samples used. It specifically excludes HIV infection from any other cause, such as recreational intravenous drug use.

Medically-acquired HIV (contracted from a medical procedure or operation) - Infection with Human Immunodeficiency Virus (HIV) as a result of an accident where the virus was acquired in Australia by you from one of the following medically necessary events conducted by a recognised and registered health professional: • a blood transfusion; • transfusion with blood products; • organ transplant to the insured person; • assisted reproductive techniques; or • a medical procedure or operation performed by a medical practitioner or dentist.

medically acquired HIV means infection with Human Immunodeficiency Virus (HIV) which on the balance of probabilities, arose from one of the following medically necessary events: • a blood transfusion • transfusion with blood products • organ transplant to the life insured • assisted reproductive techniques • a medical procedure or operation performed by a doctor or dentist. Only medical events performed in Australia by a recognised and registered health professional are covered. We’ll need detailed pathology results to confirm the infection, including the results of any follow up tests completed to confirm a weak positive result. A benefit isn’t payable for Acquired Immune Deficiency Syndrome (AIDS) or the effects of the HIV virus if: • a medical cure is found for Acquired Immune Deficiency Syndrome (AIDS) or the effects of the HIV virus (whichever applies) • a treatment is developed and approved which makes the HIV virus inactive and non-infectious.

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Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 3 Benefits - Hydrocephalus - requiring Surgery - Maximum Trauma Cover Amount payable is up to 25% (capped at $100,000) Hydrocephalus – requiring surgery Means a Diagnosis of hydrocephalus resulting from injury, infection or tumour, where there is excessive cerebrospinal fluid within the brain causing increased intra-cranial pressure. A Medical Specialist must certify that surgery is needed to treat the condition.

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Chronic Kidney Failure (undergoing permanent dialysis) means undergoing permanent dialysis treatment prescribed by renal physician due to impairment of total kidney function to a severity constituting end stage kidney failure.

End Stage Kidney Failure means end stage renal failure, which presents as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out.

Chronic kidney failure – requiring permanent dialysis or transplantation. The final stage of kidney disease that requires permanent dialysis or a transplant.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Kidney failure (end stage) means end stage renal failure presenting as chronic irreversible failure of both kidneys to function. The condition must require one of the following: • permanent regular renal dialysis • renal transplantation.

Chronic Kidney Failure - requiring permanent dialysis or transplantation. The final stage of kidney disease that requires permanent dialysis or a transplant.

Vital Organ and Digestive System Disorders Tier 1 Benefits - Vital Organ or Digestive System Disorder - End Stage Vital Organ or Digestive System Disorder – end stage Means: the diagnosis of any of the following: - end stage liver failure with permanent jaundice and presenting with ascites or encephalopathy; - end stage renal failure with chronic irreversible failure of both kidneys that needs permanent dialysis or renal transplantation; - end stage lung disease requiring permanent supplementary oxygen, confirmed by a Medical Specialist; - end stage chronic obstructive pulmonary disease (COPD) with a persistent FEV1 less than 30% predicted or DLCO less than 40% predicted (according to current Thoracic Society of Australia and New Zealand treatment guidelines) measured on two separate occasions at least three months apart while on optimal therapy; or being required to be placed on an Australian waiting list to receive a transplant of a heart, kidney, liver, lung, pancreas, small bowel, or bone marrow as confirmed by a Medical Specialist.

Chronic kidney failure (requiring transplantation or dialysis) - Full Payment End-stage renal failure presenting as chronic irreversible failure of both kidneys to function, resulting in renal transplantation or the permanent requirement for renal dialysis. The definition will also be met if, despite the need for renal transplantation or permanent requirement for renal dialysis as confirmed by a specialist medical practitioner, you choose renal supportive care.

chronic kidney failure (end stage) means end stage renal failure presenting as chronic irreversible failure of both kidneys to function. The condition must be evidenced by one of the following: • permanent regular renal dialysis • renal transplant.

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Chronic Liver Failure (resulting in permanent symptoms) means end-stage decompensated liver failure characterised by the presence of liver cirrhosis and development of complications of cirrhosis, including jaundice, ascites and/or encephalaopathy.

End Stage Liver Failure means the final stage of liver disease, together with two of the following conditions: • permanent jaundice • ascites, and • hepatic encephalopathy.

Chronic liver failure – of specified severity. The final stage of liver disease with at least two of the following conditions: * permanent jaundice * ascites (abnormal retention of fluids within the abdominal cavity), * deteriorating liver function tests, and *encephalopathy (related brain disease).

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Liver disease (end stage) means end stage liver failure together with permanent jaundice, ascites or encephalopathy.

Chronic Liver Failure – of specified severity The final stage of liver disease with at least two of the following conditions: • permanent jaundice, • ascites (abnormal retention of fluids within the abdominal cavity) • deteriorating liver function tests, and • encephalopathy (related brain disease).

Vital Organ and Digestive System Disorders Tier 1 Benefits - Vital Organ or Digestive System Disorder - End Stage Vital Organ or Digestive System Disorder – end stage Means: the diagnosis of any of the following: - end stage liver failure with permanent jaundice and presenting with ascites or encephalopathy; - end stage renal failure with chronic irreversible failure of both kidneys that needs permanent dialysis or renal transplantation; - end stage lung disease requiring permanent supplementary oxygen, confirmed by a Medical Specialist; - end stage chronic obstructive pulmonary disease (COPD) with a persistent FEV1 less than 30% predicted or DLCO less than 40% predicted (according to current Thoracic Society of Australia and New Zealand treatment guidelines) measured on two separate occasions at least three months apart while on optimal therapy; or being required to be placed on an Australian waiting list to receive a transplant of a heart, kidney, liver, lung, pancreas, small bowel, or bone marrow as confirmed by a Medical Specialist.

Chronic liver failure (resulting in permanent symptoms) - Full Payment End stage liver failure resulting in permanent jaundice (yellow discolouration of the skin or eyes), ascites (abnormal build-up of fluid in the abdomen) and/or encephalopathy (a decline in brain function that occurs as a result of severe liver disease).

chronic liver disease (end stage) means end stage liver failure, with the diagnosis based on: • permanent jaundice or ascites • encephalopathy or liver biopsy.

Deafness (permanent) means the irrecoverable profound loss of all natural, assisted and artificial hearing (including but not limited to a cochlear implant) in both ears as a result of Sickness or Injury, resulting in an auditory threshold of 91 decibels or greater, averaged at frequencies 500, 1000 and 3000 hertz. The condition must be diagnosed by an appropriate specialist Medical Practitioner.

Loss of Hearing means irreversible loss of hearing in the better ear, that: • has an auditory threshold of greater than 90 decibels at all frequencies from 500 hertz to 3,000 hertz, even with amplification, and • is diagnosed and certified by an appropriate specialist Medical Practitioner, using standardised equipment.

Deafness - permanent. Irreversible loss of hearing in both ears, after which the better ear: * has an auditory threshold of greater than 90 decibels from the frequencies of 500 hertz to 3,000 hertz, even with amplification, and * is diagnosed and certified by an appropriate specialist, using standardised equipment.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Deafness (permanent in both ears) means the total and permanent loss of hearing in both ears to the extent that the loss is greater than 90 decibels across all frequencies. Deafness (permanent in both ears) does not cover the situation where a life insured or an insured child can hear, either partially or fully, with the assistance of an aid (apart from a Cochlear implant).

Deafness – permanent Irreversible loss of hearing in both ears, after which the better ear: • has an auditory threshold of greater than 90 decibels from the frequencies of 500 hertz to 3,000 hertz, even with amplification, and • is diagnosed and certified by an appropriate specialist Doctor, using standardised equipment.

Disability Conditions and Accidental Incidents Tier 2 Benefits - Deafness - Maximum Trauma cover Amount is up to 50% Deafness Means the permanent loss of hearing through Illness or Injury so that, even with a hearing device, the loss is at least 91 dB in both ears, averaged over frequencies of 500Hz, 1000Hz and 2000Hz as confirmed by a Medical Specialist. Tier 3 Benefits - Deafness – partial hearing loss - up to 25% of Trauma Covr amount (capped at $100,000) Deafness – partial hearing loss Means the permanent loss of hearing through Illness or Injury so that, even with a hearing device, the loss is at least: • 91 dB in one ear, or • 71 dB in both ears, averaged over frequencies of 500Hz, 1000Hz and 2000Hz as confirmed by a Medical Specialist.

Loss of hearing (profound and irrecoverable) - Full Payment Irrecoverable loss of hearing in both ears (except by cochlear implant) which even with amplification results in an average hearing threshold of 91dB or greater in the better ear as measured at frequencies from 500 Hz to 3000 Hz. The diagnosis must be confirmed by a relevant specialist medical practitioner.

loss of hearing means irreversible hearing loss in the better ear. Even with amplification, the average hearing threshold must be 91dB or greater as measured at 500, 1000 and 1500 Hz.

Loss of Independent Existence (permanent) means that solely because of Sickness or Injury, the Life insured: * is totally and permanently unable to perform at least two of the five Activities of Daily Living without the physical assistance of another person; or * suffers permanent Significant Cognitive Impairment

Loss of Independence means: a) Solely as a result of Injury or Sickness * you are totally and permanently unable to perform at least two of the Activities of Daily Living* and this has required you to be under continuous care and supervision by another adult person for a period of at least three consecutive months, and * at the end of the three-month period, in the reasonable opinion of an appropriate specialist Medical Practitioner, you are totally and permanently unable to perform the relevant activities and require permanent ongoing continuous care and supervision by another adult person, or b) Cognitive impairment, meaning all the following: * you have suffered a total and permanent deterioration of intellectual capacity that has required you to be under continuous care and supervision by another adult person for at least six consecutive months, and * this has been clinically observed and evidenced by accepted standardised testing relevant to your condition, and * at the end of the six-month period, in the reasonable opinion of an appropriate specialist Medical Practitioner, you require permanent ongoing continuous care and supervision by another adult person, or c) Loss of Use of Limbs and/or Sight.

Loss of independence – of specified severity: the insured person suffers a loss of independence as a result of sickness or injury if they: * are permanently unable to perform two or more activities of daily living (ADL) without physical help from someone else, or * have permanent severe cognitive impairment. The loss of independence circumstances must have existed continuously for at least six months.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Cognitive loss (permanent) means a total and permanent deterioration or loss of intellectual capacity due to the loss of or damage to neurons in the brain (or through acquired brain injuries or progressive neurodegenerative disease) that has required the life insured to be under continuous care and supervision by another adult person for at least six consecutive months; that has been clinically observed and evidenced by accepted standardised testing, and that at the end of the six month period they are likely to require ongoing continuous care and assistance by another adult person to perform any of the activities of daily living. Loss of independent existence (permanent) means a condition whereby the life insured is totally and permanently unable to perform at least two of the five activities of daily living without another adult person assisting

Loss of Independence – of specified severity The life insured suffers a Loss of Independence as a result of sickness or injury if they: * are permanently unable to perform two or more Activities of Daily Living (ADL) without physical help from someone else, or * have severe permanent cognitive impairment (with a score of 15 or less out of 30 in a Mini Mental State Examination, or evidence of an equivalent severity on another standardised cognitive assessment test acceptable to us) which leads to a need for continuous supervision of the life insured to protect them or other people. The Loss of Independence circumstances must have existed continuously for at least six months.

Disability Conditions and Accidental Incidents Tier 1 Benefits - Loss of Independence - up to 100% cover Loss of Independence Means the Diagnosis of an Illness or Injury which results in deteriorated functional ability to the extent that the Life Insured has totally and irreversibly lost the ability to perform any two of the Activities of Daily Living without the assistance of another person. The loss of independence must be verified by a Medical Specialist or occupational therapist acceptable to us.

Loss of independent existence (permanent and irreversible) - Full Payment Means significant cognitive impairment or permanent and irreversible inability to perform any two of the activities of daily living.

loss of independence means one of the following permanent and irreversible conditions resulting from illness or injury: * inability to perform at least two of the activities of daily living without the help of another adult person * the life insured requires continual supervisory care by another adult person due to cognitive impairment. The impairment must be evidenced by a Mini Mental State Examination score of 15 or less out of 30 or the results of another equivalent neuro-psychometric test. The life insured must have been continuously impaired by the condition for a period of at least three months.

Loss of use of Limbs (permanent) means the total and irrecoverable loss of use of two or more Limbs..

Loss of Use of Limbs and/or Sight means the total and irrecoverable loss by you of any of the following: * use of both hands * use of both feet * sight of both eyes (to the extent of 6/60 or less) * use of one hand and one foot * use of one hand and the sight of one eye * use of one foot and the sight of one eye. We will pay a one-time partial benefit (not payable under Loss of Independence or Complimentary Family Protection benefit) in the event of the total and permanent loss of use of: * one hand, * one foot, or * sight in one eye (to the extent of 6/60 or less).

Partial Benefit - Loss, or loss of use, of one foot or one hand – total and irrecoverable. The total and irrecoverable: loss, or loss of use of one foot or one hand.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Loss or paralysis of limb (permanent) means the total and permanent loss of use of a whole hand or a whole foot as a result of illness or injury, or the total and permanent loss of the use of one arm or one leg as a result of paralysis.

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Tier 1 Benefits - Loss of Use of Limb - two or more limbs - Up to 100% Cover Loss of Use of Limb – two or more limbs Means the total and permanent loss of use of two or more Limbs, due to paralysis or physical loss. Tier 3 Benefits - Loss of Use of Limb - single Limb - Up to 25% Cover (capped at $100,000) Loss of Use of Limb – single limb Means the total and permanent loss of use of a Limb, due to paralysis or physical loss.

Loss of use of limbs (total and irrecoverable) - Full Payment The total and irrecoverable loss of use of two or more limbs.

loss of hands, feet or sight means the total and irreversible loss of the use of two or more of: • an entire hand • an entire foot • sight in one eye, to the extent that even when aided, one of the following applies: - eyesight is reduced in that eye to 6/60 or worse of central visual acuity on the Snellen test chart - the degree of vision is less than or equal to 20 degrees of arc.

Blindness (permanent) means the permanent, irreversible and irrecoverable loss of sight in both eyes as a result of Sickness or Injury to the extent that: * visual acuity in both eyes, on a Snellen Scale after correction by suitable lens is less than 6/60; or * the visual field is reduced to 20 degrees or less of arc; or * a combination of visual defects resulting in the same degree of visual impairment as that occurring in the above points. The blindness must be confirmed by a specialist Medical Practitioner. The blindness must not be correctable by surgical procedures, implants or any other means.

Loss of Use of Limbs and/or Sight means the total and irrecoverable loss by you of any of the following: * use of both hands * use of both feet * sight of both eyes (to the extent of 6/60 or less) * use of one hand and one foot * use of one hand and the sight of one eye * use of one foot and the sight of one eye. We will pay a one-time partial benefit (not payable under Loss of Independence or Complimentary Family Protection benefit) in the event of the total and permanent loss of use of: * one hand, * one foot, or * sight in one eye (to the extent of 6/60 or less). Blindness means that as a result of disease or accident and certified by an ophthalmologist: a) the visual acuity on the Snellen Scale after correction by suitable lenses is less than 6/60 in both eyes, or b) the field of vision is constricted to 20 degrees or less of arc around central fixation in the better eye irrespective of corrected visual activity (equivalent to 1/100 white test object).

Blindness - of specified severity. The permanent loss of all sight in both eyes, whether aided or unaided, due to sickness or injury to the extent that visual acuity is 6/60 or less in both eyes, or to the extent that the visual field is reduced to 20 degrees or less of arc.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Blindness (permanent in both eyes) means the permanent loss of sight in both eyes as a result of illness or injury such that even when aided, one of following applies: • visual acuity is 6/60 or less in both eyes • the visual field is reduced to 20 degrees or less of arc in both eyes.

Blindness The permanent loss of sight in both eyes, whether aided or unaided, due to Sickness or Injury to the extent that visual acuity is 6/60 or less in both eyes, or to the extent that the visual field is reduced to 20 degrees or less of arc. Loss of Sight in One Eye (partial benefit) The permanent loss of sight in one eye, whether aided or unaided, due to sickness or injury to the extent that visual acuity is 6/60 or less. The partial payment is 20% of the Critical Illness insurance benefit subject to a maximum partial benefit payable of $200,000 and a minimum payment of $10,000.

Blindness Means the permanent loss of sight in both eyes, whether aided or unaided, as a result of Illness or Injury such that visual acuity is reduced to 6/60 or less in both eyes, or such that the visual field is reduced to 20 degrees or less of arc. Blindness – partial loss Means the permanent partial loss of sight, whether aided or unaided, as a result of Illness or Injury such that visual acuity is reduced to 6/60 or less in one eye, or the visual field of one eye is reduced to 20 degrees or less of arc.

Blindness (total and irrecoverable) - Full Payment The loss of sight (permanent) in both eyes. Loss of sight (permanent) Means the complete and irrecoverable loss of sight (whether aided or unaided) in an eye due to injury or illness where: • best corrected visual acuity is 6/60 or less (this means that even with visual aids you need to be at 6 metres or less to see what someone with normal vision can see at 60 metres); or • visual field is reduced to 20 degrees of arc or less (normal field of vision in the horizontal plane is 180 degrees). Any loss of sight that is reversible through treatment or visual aids, including (but not limited to) cataracts, is excluded as it would not be considered irrecoverable. The diagnosis must be confirmed by a specialist medical practitioner

loss of hands, feet or sight means the total and irreversible loss of the use of two or more of: • an entire hand • an entire foot • sight in one eye, to the extent that even when aided, one of the following applies: - eyesight is reduced in that eye to 6/60 or worse of central visual acuity on the Snellen test chart - the degree of vision is less than or equal to 20 degrees of arc.

Loss of Speech means the total and irrecoverable loss of the ability to produce intelligible speech as a result of permanent damage to the larynx or its nerve supply, or to the speech centres of the brain, due to Sickness or Injury.

Loss of Speech (complete and irrecoverable) means the complete and irrecoverable loss of the ability to speak as a result of Injury or Sickness which must be established and the diagnosis reaffirmed after a continuous period of three months of such loss by an appropriate specialist Medical Practitioner acting reasonably.

Loss of speech - total and permanent loss of ability to speak. A claim can only be made once the initial diagnosis is reconfirmed after three months.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Loss of speech (permanent) means the total and permanent loss of the ability to produce intelligible speech due to permanent damage to the larynx or its nerve supply or a disorder affecting the speech centres of the brain. Loss of speech related to any psychological cause is excluded.

Loss of speech - of total and permanent Total and permanent loss of all ability to speak. A claim can only be made once the initial diagnosis is reconfirmed after three months.

Means the permanent and irreversible inability to produce intelligible speech as a result of Injury or Illness resulting in a Permanent Neurological Deficit. This condition must result from permanent damage to the larynx or its nerve supply, or from a medically diagnosed disorder affecting the speech centers of the brain. Total and permanent loss of speech must be reconfirmed after three months from the initial date of Diagnosis. Diagnosis must be confirmed by a Medical Specialist. Loss of speech attributable to psychological causes is specifically excluded from this definition.

Loss of speech (total and irrecoverable) - Full Payment The total and irrecoverable loss of the ability to produce intelligible speech, as a result of permanent damage to the larynx or its nerve supply or to the speech centres of the brain, due to illness or injury. The diagnosis must be confirmed by a relevant specialist medical practitioner.

loss of speech means the total loss of natural and assisted speech due to sickness or injury. Loss of speech must have existed continuously for a period of at least three months and be permanent and irreversible. Loss of speech doesn’t include loss of speech related to any psychological cause.

Chronic Lung Failure (on permanent oxygen therapy) means end-stage lung disease with a consistent pulmonary function test result of: * a forced expiratory volume in one second (FEV1) less than 40% of predicted; or * a diffusing capacity (DLCO) less than 40% of predicted; and * on permanent oxygen therapy.

End Stage Lung Failure means end stage respiratory failure requiring permanent, long term oxygen therapy as certified by the relevant medical specialist

Chronic lung failure – of specified severity. The final stage of lung disease, needing permanent oxygen therapy with a consistent pulmonary function test result of: - FEV1 less than 40% predicted; or - a DLCO less than 40% predicted.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Lung disease (end stage) means end stage lung disease requiring supplementary oxygen for a minimum of 15 hours per day, as confirmed by a specialist medical practitioner, which is expected to be required on an ongoing basis.

Chronic Lung Failure– of specified severity The final stage of lung disease, needing permanent oxygen therapy with a consistent pulmonary function test result of: • FEV1 less than 40% predicted; or • a DLCO less than 40% predicted.

Vital Organ and Digestive System Disorders Tier 1 Benefits - Vital Organ or Digestive System Disorder - End Stage Vital Organ or Digestive System Disorder – end stage Means: the diagnosis of any of the following: - end stage liver failure with permanent jaundice and presenting with ascites or encephalopathy; - end stage renal failure with chronic irreversible failure of both kidneys that needs permanent dialysis or renal transplantation; - end stage lung disease requiring permanent supplementary oxygen, confirmed by a Medical Specialist; - end stage chronic obstructive pulmonary disease (COPD) with a persistent FEV1 less than 30% predicted or DLCO less than 40% predicted (according to current Thoracic Society of Australia and New Zealand treatment guidelines) measured on two separate occasions at least three months apart while on optimal therapy; or being required to be placed on an Australian waiting list to receive a transplant of a heart, kidney, liver, lung, pancreas, small bowel, or bone marrow as confirmed by a Medical Specialist.

Chronic lung failure (requiring long-term oxygen therapy) - Full Payment Means: * Any lung condition causing a stable daytime arterial blood pressure of 55mmHg or less at rest; or * End-stage lung disease requiring long-term oxygen. The diagnosis must be confirmed by a relevant specialist medical practitioner.

chronic lung disease (end stage) means end stage lung disease, including chronic obstructive pulmonary disease and interstitial lung disease. The condition must require long term continuous oxygen therapy prescribed by a specialist physician and meet one of the following measures: • persistent FEV1 less than 30% predicted • DLCO less than 40% predicted.

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Major Head Trauma (with permanent neurological deficit) means Accidental head Injury resulting in neurological deficit causing: * permanent Whole Person Impairment of at least 25%; or * the Life Insured or Child Insured being totally and permanently unable to perform any one of the Activities of Daily Living.

Major Head Trauma with serious functional impairment means an accidental head injury resulting in permanent neurological deficit, resulting in either: • the total and permanent inability to perform any one of the Activities of Daily Living; or • an impairment of at least 25% in whole person function, attributable to the above condition, as defined in the latest edition of the American Medical Association’s Guides to the Evaluation of Permanent Impairment.

Major brain injury – of specified severity Physical head injury that results in the insured person suffering either: at least 25% permanent whole person impairment, permanent loss of the ability to perform one or more activities of daily living (ADL) without physical help from someone else, or permanent severe cognitive impairment. The permanent loss or impairment described above must have existed continuously for at least six months.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Head trauma (permanent and irreversible) means cerebral injury resulting in permanent neurological deficit, as confirmed by a medical practitioner who is a consultant neurologist and/or an occupational physician, causing either: • at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment • a total and irreversible inability to perform at least one activity of daily living without another adult person assisting.

Major Brain Injury – of specified severity Physical head injury that results in the life insured suffering either: * at least 25% permanent Whole Person Impairment, or * permanent: * loss of the ability to perform one or more Activities of Daily Living (ADL) without physical help from someone else, or * severe cognitive impairment (with a score of 15 or less out of 30 in a Mini Mental State Examination, or evidence of an equivalent severity on another standardised cognitive assessment test acceptable to us) which leads to a need for continuous supervision to protect the life insured or other people. A Mini Mental State Examination tests various functions including arithmetic ability, memory and physical orientation to assess cognitive ability. The permanent loss or impairment described above must have existed continuously for at least six months.

Means a physical head injury resulting in the Life Insured experiencing Permanent Neurological Deficit with one of the following permanent impairments: A permanent and irreversible: • Loss of the ability to perform one or more Activities of Daily Living (ADLs) without physical assistance from another person; or • Severe cognitive impairment, defined as a score of 15 or less out of 30 on a Mini Mental State Examination (MMSE), resulting in the need for continuous supervision to ensure the safety of the life insured or others. The MMSE assesses cognitive functions including arithmetic ability, memory, and orientation. Diagnosis must be confirmed by a Medical Specialist. The above impairments must have been present continuously for a minimum period of six months to qualify under this definition.

Major head trauma (with significant permanent neurological impairment) - Full Payment An accidental head injury resulting in permanent neurological deficit causing: * a permanent impairment of at least 25% of whole person function; * you to be totally and permanently unable to perform any one of the activities of daily living; or * cognitive impairment as measured by a persistent score of 17 or less on a Montreal Cognitive Assessment (MoCA) test, or an equivalent severity on another standardised cognitive assessment test. For the purposes of this definition, accidental head injury means a bump, blow or jolt to the head, or a penetrating head injury. The diagnosis must be confirmed by a relevant specialist medical practitioner

major head trauma (with permanent neurological deficit) means accidental cerebral injury resulting in permanent neurological deficit and one of the following: * a permanent and irreversible inability to perform at least one of the activities of daily living without the help of another adult person * permanent and irreversible whole person impairment of at least 25%. The impairment must be certified by a consultant neurologist.

Major Organ Transplant (of specified organs) means either the undergoing of, or upon the advice of a specialist Medical Practitioner the placement on a waiting list of a Transplantation Society of Australia and New Zealand recognised transplant unit for, the human to human transplant from a donor (who is not the Life Insured or Child Insured) to the Life Insured or Child Insured of one of the following: * bone marrow; * kidney; * heart; * lung; * liver; * pancreas; or * small bowel. The transplant of all other organs, parts of organs or any other tissue transplant is excluded.

Major Organ Transplant means having received, from a human donor, a medically necessary transplant involving one or more of the following organs: kidney, heart, liver, lung, bone marrow, pancreas and small bowel. The full Sum Insured under the Crisis Recovery, Double Crisis Recovery and Crisis Recovery Stand Alone benefit will be paid if the life insured has been placed on the Australian or New Zealand waiting list to receive a major organ transplant of the kind described above for the Major Organ Transplant crisis event and that the procedure is unrelated to any previous procedure or surgery undergone by the life insured.

Major organ or bone marrow transplant. The transplant, or placement on an Australian waiting list approved by us for transplant of any of the following organs from a human donor to the insured person: * kidney, liver, heart, lung, pancreas, small bowel, or * bone marrow transplant. This treatment must be considered medically necessary and the condition affecting the organ or bone marrow deemed untreatable by any other means other than transplant, as confirmed by a specialist.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Organ transplant (major) means the life insured: • undergoes human-to-human or animal-to-human organ transplant; or • has been placed on an official Australian waiting list; or • undergoes permanent mechanical replacement; for one or more of the following organs: • heart • kidney • liver • lung • pancreas • small bowel • the transplant of bone marrow (excluding autologous). Stem cell transplant performed to treat auto-immune disease or for cosmetic purposes is excluded from transplant. This treatment must be considered medically necessary and the condition affecting the organ deemed untreatable by any other means other than organ transplant, as confirmed by a specialist physician.

Major Organ or Bone Marrow Transplant The transplant, or placement on an Australian or New Zealand waiting list approved by us for: • transplant of any of the following organs from a human donor to the life insured: - kidney - liver - heart - lung - pancreas - small bowel, or • bone marrow transplant. This treatment must be considered medically necessary and the condition affecting the organ or bone marrow deemed untreatable by any other means other than transplant, as confirmed by a Specialist.

Tier 1 Benefits - Vital Organ or Digestive System Disorder - End Stage (Amount payable -up to 100%) Vital Organ or Digestive System Disorder – end stage Means: * the diagnosis of any of the following: - end stage liver failure with permanent jaundice and presenting with ascites or encephalopathy; - end stage renal failure with chronic irreversible failure of both kidneys that needs permanent dialysis or renal transplantation; - end stage lung disease requiring permanent supplementary oxygen, confirmed by a Medical Specialist; - end stage chronic obstructive pulmonary disease (COPD) with a persistent FEV1 less than 30% predicted or DLCO less than 40% predicted (according to current Thoracic Society of Australia and New Zealand treatment guidelines) measured on two separate occasions at least three months apart while on optimal therapy; or * being required to be placed on an Australian waiting list to receive a transplant of a heart, kidney, liver, lung, pancreas, small bowel, or bone marrow as confirmed by a Medical Specialist.

Major organ transplant (of specified organs from a human donor, or placement on a waiting list) - Full Payment Either the undergoing of, or upon the advice of a specialist medical practitioner the placement on a waiting list of a Transplantation Society of Australia and New Zealand recognised transplant unit for the human to human transplant from a donor to you of: * bone marrow; or * one of the following organs or a permanent mechanical replacement of one of the following organs: * kidney * heart * lung * liver * pancreas; or * small bowel. The transplant of all other organs, parts of organs or any other tissue transplant is excluded.

major organ transplant (or waiting list) means one of the following: • the life insured undergoes an organ transplant • on specialist medical advice, the life insured goes onto an official Australian acute care hospital waiting list for organ transplant • the life insured undergoes permanent mechanical replacement of an organ. Only events relating to the following organs are covered: • kidney • heart • liver • lung • pancreas • small bowel • bone marrow. Major organ transplant (or waiting list) doesn’t include the transplantation of any other organs, or parts of any organ, or of any other tissue.

Progressive and Debilitating Motor Neurone Disease means the unequivocal diagnosis of a progressive form of debilitating Motor Neurone Disease by an appropriate specialist Medical Practitioner. The diagnosis must be supported by ancillary testing (e.g. clinical neurophysiology) and exclusion of other causes by imaging and appropriate investigations.

We will pay a lump sum equal to the Crisis Recovery Sum Insured if you are diagnosed with one of the Crisis Events listed below for which you are covered under this benefit. Motor Neurone Disease means the unequivocal diagnosis of motor neurone disease confirmed by a consultant neurologist.

Motor neurone disease – unequivocal diagnosis: the progressive weakening and wasting of the muscles of the body. The unequivocal diagnosis of motor neurone disease must be certain and supported by neurological investigations.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Motor neurone disease (diagnosed) means the unequivocal diagnosis of motor neurone disease, as confirmed by a medical practitioner who is a consultant neurologist.

Motor Neurone Disease – unequivocal diagnosis The progressive weakening and wasting of the muscles of the body. The unequivocal diagnosis of motor neurone disease must be certain and supported by neurological investigations.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Motor Neurone Disease - up to 50% Cover Motor Neurone Disease Means the Diagnosis of a permanent and progressive form of motor neurone disease confirmed by neurological investigation.

Progressive and debilitating motor neurone disease - Full Payment The unequivocal diagnosis of a progressive form of debilitating motor neurone disease.

motor neurone disease (diagnosis) means unequivocal diagnosis of Motor Neurone Disease. The diagnosis must be made by an appropriate medical specialist.

Multiple Sclerosis (with multiple episodes of neurological deficit and persisting neurological abnormalities) means a disease characterised by demyelination in the brain and/or spinal cord. Multiple Sclerosis must be unequivocally diagnosed by an appropriate specialist Medical Practitioner. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, and evoked auditory responses are required to confirm diagnosis.

Multiple Sclerosis means the unequivocal diagnosis of multiple sclerosis confirmed by a consultant neurologist.

Multiple sclerosis – of specified severity: the progressive destruction of the insulating layer of myelin in the brain and/or spinal cord. The unequivocal diagnosis of multiple sclerosis must be by a neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Resonance Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Multiple sclerosis (permanent impairment) means the life insured meets the multiple sclerosis (recurrent episodes) trauma condition and: • is suffering at least 25% permanent whole person impairment as defined in the American Medical Association ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment; or • a total and irreversible inability to perform at least one activity of daily living without another adult person assisting; and • the results are confirmed by a medical practitioner who is a consultant neurologist. Multiple sclerosis (recurrent episodes) means the unequivocal diagnosis of multiple sclerosis confirmed by a consultant neurologist. There must be: • more than one episode of well-defined neurological deficit; and • the diagnosis must be supported by confirmatory neurological investigations such as lumbar puncture, MRI, evoked visual responses and evoked auditory responses.

Multiple sclerosis - of specified severity The progressive destruction of the insulating layer of myelin in the brain and spinal cord. The unequivocal diagnosis of Multiple sclerosis must be by a consultant neurologist. There must be more than one episode of defined neurological deficit with persistent abnormalities. Neurological investigation such as lumbar puncture, MRI (Magnetic Response Imaging), evidence of lesions in the central nervous systems and evoked visual responses are required to confirm diagnosis.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Multiple Sclerosis - up to 50% Cover Multiple Sclerosis Means the Diagnosis of a permanent and progressive form of multiple sclerosis.

Multiple sclerosis (with multiple episodes of neurological deficit and persisting neurological abnormalities) - Full Payment A disease characterised by demyelination in the brain and/ or spinal cord. Multiple sclerosis must be unequivocally diagnosed by a relevant specialist medical practitioner. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities. Neurological investigations such as MRI (Magnetic Resonance Imaging) evidence of lesions in the central nervous system, evoked visual responses, evoked auditory responses and the presence of oligo-clonal bands within cerebrospinal fluid (CSF) in accordance with the 2017 McDonald Criteria are required to confirm diagnosis.

multiple sclerosis (recurrent episodes with impairment level) means the unequivocal diagnosis of multiple sclerosis confirmed by a consultant neurologist. Diagnosis must be supported by confirmatory neurological investigations such as lumbar puncture, MRI (Magnetic Resonance Imaging), evoked visual responses, and evoked auditory responses. There must be more than one episode of well-defined neurological deficit with persisting neurological abnormalities.

Muscular Dystrophy means the unequivocal diagnosis of muscular dystrophy by an appropriate specialist Medical Practitioner. The diagnosis must be supported by appropriate clinical investigations including genetic test, muscle biopsy or electromyography.

Muscular Dystrophy means the unequivocal diagnosis of muscular dystrophy, confirmed by a consultant neurologist.

Muscular dystrophy – unequivocal diagnosis. The unequivocal diagnosis of muscular dystrophy by a neurologist on the basis of confirmatory neurological investigations.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Muscular dystrophy (permanent impairment) means the life insured meets the Muscular dystrophy (diagnosed) trauma condition and: • is suffering at least 25% permanent whole person impairment as defined in the American Medical Association ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment; and • the results are confirmed by a medical practitioner who is a consultant neurologist.

Muscular dystrophy – unequivocal diagnosis The unequivocal diagnosis of muscular dystrophy by a medical practitioner who is a consultant neurologist on the basis of confirmatory neurological investigations.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Muscular Dystrophy - up to 50% Cover Muscular Dystrophy Means the Diagnosis of a muscular dystrophy resulting in a Permanent Neurological Deficit.

Muscular dystrophy - Full Payment The unequivocal diagnosis of muscular dystrophy confirmed by a relevant specialist medical practitioner and which causes progressive and selective degeneration and weakness of voluntary muscles.

muscular dystrophy (with impairment level) means the unequivocal diagnosis of muscular dystrophy, supported by both of the following: • evidence of permanent neurological deficit confirmed by a specialist physician as a definite result of the diagnosis of muscular dystrophy • a permanent and irreversible inability to perform at least one of the activities of daily living.

Occupationally-Acquired HIV

1. Other Serious Coronary Artery Disease means the narrowing of the lumen of at least three coronary arteries by a minimum of 60%, as proven for the first time by coronary arteriography, regardless of whether or not any form of coronary artery surgery has been performed. 2. Subdural Haematoma (acute and subacute) requiring surgical intervention -means the formation of a blood clot in the subdural space resulting in: * the acute onset of objective and ongoing neurological signs that last more than 24 hours, * findings on magnetic resonance imaging, computerised tomography, or other reliable imaging techniques, demonstrate the collection of blood in the subdural space consistent with the acute or subacute haemorrhage, and * the actual undergoing of surgical intervention specifically intended to remove the blood clot on the surface of the brain as recommended by a specialist Medical Practitioner. Excluded: * chronic subdural haematoma * brain damage due to an accident, infection or hypoxia * transient ischaemic attack * non-vasculitic inflammatory disease, and * vascular disease affecting the eye, optic nerve or vestibular functions. 3. Terminal Illness. If you are diagnosed with a Terminal Illness we will pay a lump sum equal to the Crisis Recovery Sum Insured. A three-month qualifying period applies. Terminal Illness is listed as a Crisis Event and is only available under Crisis Recovery Stand Alone

Meningococcal Septicaemia – of specified severity Severe infection in the blood stream that causes blood poisoning which results in either: at least 25% permanent whole person impairment, or a permanent loss of the ability to perform one or more activities of daily living (ADL) without physical help from someone else. Inability of a child to gain independence – of specified severity The insured person’s child, as a result of sickness or injury, will either: be permanently unable to perform two or more activities of daily living (ADL) without physical help from someone else; or suffer at least 25% permanent whole person impairment which leads to a need for continuous supervision of the child to protect them or other people.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Terminal illness means an illness that, in the opinion of an appropriate specialist, is likely to lead to the death of the life insured within 12 months from the date that the opinion is provided and for each opinion that 12 month period has not ended. HIV (occupationally acquired) means infection with the Human Immunodeficiency Virus (HIV) where the virus was acquired as a result of an accident occurring while performing the life insured’s normal occupation and sero-conversion of the HIV infection must occur within six months of the accident. HIV infection acquired by any other means including sexual activity or recreational intravenous drug use is excluded. Any accident creating a possible claim must be: • reported to the relevant authority or employer within seven days of the accident, and • reported to us with proof of the accident, and • supported by a negative HIV antibody test taken after the accident. We must have open access to all blood samples and be able to obtain independent testing of such blood samples. There will be no Cover and no benefit payable if a medical ‘cure’ is found for AIDS or the effects of HIV, or a medical treatment is developed that prevents AIDS occurring. ‘Cure’ means any Australian Government approved treatment, which renders HIV inactive and non-infectious. Systemic sclerosis (permanent and irreversible) means the unequivocal diagnosis of systemic sclerosis, made by a medical practitioner who is a consultant physician, characterised by skin thickening accompanied by various degrees of tissue fibrosis and chronic inflammatory infiltration in visceral organs, causing either: • at least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment • a total and irreversible inability to perform at least one activity of daily living without another adult person assisting.

1. Meningococcal Septicaemia – of specified severity Severe infection in the blood stream that causes blood poisoning which results in either: * at least 25% permanent Whole Person Impairment, or * a permanent loss of the ability to perform one or more Activities of Daily Living (ADL) without physical help from someone else. 2. HIV Contracted Through Your Work. Infection with Human Immunodeficiency Virus (HIV) as a result of an injury while the life insured is working at their normal occupation.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 1 Benefits - Heart Condition - Significantly Impaired Heart Function - up to 100% Cover Heart Condition – significantly impaired heart function Means the Diagnosis of a heart condition which has resulted in permanent physical impairment of at least Class 3 of the New York Heart Association classification of cardiac impairment and the left ventricular ejection fraction is less than 40% tested twice at least three months apart.

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bacterial meningitis or meningococcal septicaemia (with severe life impact) occupationally acquired hepatitis B or C occupationally acquired HIV

Paralysis Support Benefit If the Life Insured suffers Paralysis (permanent), we will pay the Paralysis Support Benefit Amount in addition to the Critical Illness Benefit. The Paralysis Support Benefit Amount is the additional amount we will pay (under the Paralysis Support Benefit) such that the aggregate amount paid under both the Critical Illness Benefit and Paralysis Support Benefit is the lesser of: * two times the Critical Illness Insurance Benefit Amount; and * $2,000,000. If the Paralysis Support Benefit is paid, we will reduce the Benefit Amount of any Attached or Linked Plans by the Critical Illness Insurance Benefit Amount only.

Paralysis (total and permanent) means: * Diplegia - The total and permanent loss of use of both arms or both legs, resulting from injury or sickness of the brain or spinal cord; or * Hemiplegia - The total and permanent loss of use of one arm and one leg on the same side of the body, resulting from injury or sickness of the brain or spinal cord; or * Paraplegia - The total and permanent loss of use of both legs, resulting from injury or sickness of the brain or spinal cord; or * Quadriplegia - The total and permanent loss of use of both arms and both legs, resulting from injury or sickness of the brain or spinal cord.

Paralysis - permanent and of specified severity. Total and permanent loss of the function of two or more limbs caused by damage to the nervous system.

Loss or paralysis of Limb means the total and permanent loss of a whole hand or a whole foot as a result of illness or injury, or the total and permanent loss of the use of one arm or one leg as a result of paralysis

Paralysis - permanent and of specified severity Total and permanent loss of the function of two or more limbs caused by damage to the nervous system.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 1 Benefits - Hearological Condition - Permanent Neurological Deficit - up to 100% Cover amount Permanent Neurological Deficit Means dysfunction of the nervous system that is present on clinical examination and the prognosis is that it will last throughout life. Examples of dysfunction include impairment to: • motor function (due to hemiplegia, monoplegia, hemiparesis, monoparesis, paralysis, lack of coordination, tremors, numbness or localised weakness); or • communication (due to dysarthria, aphasia, dysphagia). The following are excluded: • an abnormality seen on brain or other scans without definite related clinical symptoms; • neurological signs occurring without symptomatic abnormality, for example brisk reflexes without other symptoms; and • symptoms of psychological or psychiatric origin.

Paralysis (total and permanent) - Full Payment The total and permanent loss of function of two or more limbs through illness or injury causing permanent damage to the nervous system. This includes, but is not limited to, quadriplegia, paraplegia, diplegia and hemiplegia.

paraplegia means the permanent and total loss of use of both legs resulting from disease, illness or injury of the brain or spinal cord. quadriplegia means the permanent and total loss of use of both arms and both legs resulting from disease, illness or injury of the brain or spinal cord. diplegia means the permanent and total loss of function of both sides of the body resulting from disease, illness or injury of the brain or spinal cord. hemiplegia means the permanent and total loss of function of one side of the body resulting from disease, illness or injury of the brain or spinal cord. Paralysis booster benefit Doubles the benefit payable for paralysis, to a maximum of $2,000,000.

Parkinson’s Disease (permanent) means the unequivocal diagnosis of degenerative idiopathic Parkinson’s disease by an appropriate specialist Medical Practitioner, caused by degeneration of the nigrostriatal system and as characterised by the clinical manifestation of bradykinesia in combination with at least one of the following: * rigidity; or * rest tremor. All other types of Parkinsonism are excluded (e.g. secondary to medication).

Parkinson’s disease means the unequivocal diagnosis of idiopathic Parkinson’s disease as confirmed by a consultant neurologist. All other types of Parkinsonism are excluded (e.g. secondary to medication).

Parkinson’s disease – of specified severity. The unequivocal diagnosis of degenerative idiopathic Parkinson’s disease, as characterised by the clinical manifestations of one or more of: * rigidity * tremor; or * akinesia from degeneration of the nigrostriatal system. All other types of parkinsonism (including but not limited to parkinsonism secondary to medication, vascular disease, drugs, metabolic conditions and infections) are excluded. Parkinson-Plus syndrome – unequivocal diagnosis. The unequivocal diagnosis by a neurologist of one of the following Parkinson-Plus (atypical parkinsonian) syndromes: * Multiple Systems Atrophy (MSA) * Progressive Supranuclear Palsy (PSP) * Corticobasal Degeneration/Syndrome (CBD) * Dementia with Lewy bodies (DLB) The conditions stated above must be irreversible. All other types of parkinsonism (including but not limited to parkinsonism secondary to medication, vascular disease, drugs, metabolic conditions and infections) are excluded.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Parkinson's disease (diagnosed) means the unequivocal diagnosis of degenerative idiopathic Parkinson’s disease confirmed by a consultant neurologist. All other types of parkinsonism, including secondary parkinsonism due to medication, are excluded.

Parkinson’s Disease – of specified severity The unequivocal diagnosis of degenerative idiopathic Parkinson’s disease, as characterised by the clinical manifestations of one or more of: • rigidity • tremor • akinesia from degeneration of the nigrostriatal system. All other types of parkinsonism (including but not limited to parkinsonism secondary to medication, vascular disease, drugs, metabolic conditions and infections) are excluded. Parkinson-Plus Syndrome – unequivocal diagnosis The unequivocal diagnosis by a Neurologist of one of the following Parkinson-Plus (atypical parkinsonian) Syndromes: • Multiple Systems Atrophy (MSA) • Progressive Supranuclear Palsy (PSP) • Corticobasal Degeneration/Syndrome (CBD) • Dementia with Lewy bodies (DLB) The conditions stated above must be irreversible. All other types of parkinsonism (including but not limited to parkinsonism secondary to medication, vascular disease, drugs, metabolic conditions and infections) are excluded.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Parkinson's Disease - up to 50% Cover Parkinson’s Disease Means the Diagnosis of permanent and progressive Parkinson’s disease or Parkinsonisms. It specifically excludes Parkinsonism secondary to medication.

Parkinson’s disease (permanent) - Full Payment The unequivocal diagnosis of degenerative idiopathic Parkinson’s disease confirmed by a relevant specialist medical practitioner and as characterised by the clinical manifestation of one or more of the following: * rigidity (extreme stiffness or resistance with passive movement of the major joints whilst in a relaxed position); * tremor (involuntary trembling of the body or limbs); and * akinesia (loss or impairment of the power of voluntary movement) resulting from the degeneration of the nigrostriatal system. All other types of Parkinsonism are excluded (e.g. secondary to medication).

parkinson-plus syndrome (specified) means the unequivocal diagnosis by a consultant neurologist of one of the following Parkinson-Plus syndromes: * multisystem atrophy * progressive supranuclear palsy. All other types of parkinsonism, including secondary parkinsonism due to medication, are excluded. parkinson’s disease (diagnosis) means an unequivocal diagnosis of degenerative idiopathic Parkinson’s disease confirmed by a consultant neurologist. Parkinson’s disease (diagnosis) doesn’t include any other type of Parkinsonism, for example, secondary to medication.

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guillain barre syndrome means both of the following: • an unequivocal diagnosis of guillain barre syndrome bya neurologist • the life insured has been unable to perform at least one of the activities of daily living for a continuous period of three calendar months.

Pneumonectomy (permanent and irreversible) means the undergoing of surgery to remove an entire lung. This treatment must be deemed the most appropriate treatment and medically necessary.

Pneumonectomy means undergoing a surgical procedure in which an entire lung is removed due to underlying lung disease or disorder.

Pneumonectomy – complete removal of entire lung. The removal of an entire lung when considered the necessary and appropriate treatment.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Pneumonectomy means the undergoing of surgery to remove an entire lung. This treatment must be deemed the most appropriate treatment and medically necessary.

Pneumonectomy - complete removal of entire lung The removal of an entire lung when considered the necessary and appropriate treatment.

Lung Removal – excluding donors Means undergoing surgery to remove an entire lung, confirmed by a Medical Specialist as the necessary and appropriate treatment. It specifically excludes lung removal as a donor.

Pneumonectomy (total) - Full Payment The undergoing of surgery to remove an entire lung.

pneumonectomy means the removal of an entire lung.

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Idiopathic Pulmonary Arterial Hypertension (of specified severity) means idiopathic pulmonary arterial hypertension with substantial right ventricular enlargement established by investigations including cardiac catheterisation, resulting in physical permanent impairment to the degree of at least Class 3 of New York Heart Association classification of cardiac impairment. The condition must be diagnosed by an appropriate specialist Medical Practitioner.

Pulmonary Arterial Hypertension (Primary) with serious functional impairment means primary pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterisation, resulting in significant irreversible physical impairment of at least Class III of the New York Heart Association classification of cardiac impairment. Pulmonary Hypertension in association with end stage lung failure is specifically excluded. Other forms of hypertension (involving increased blood pressure) are specifically excluded. The New York Heart Association classifications are: - Class I – no limitation of physical activity, no symptoms with ordinary physical activity. - Class II – slight limitation of physical activity, symptoms occur with ordinary physical activity. - Class III – marked limitation of physical activity and comfortable at rest, symptoms occur with less than ordinary physical activity. - Class IV – symptoms with any physical activity and may occur at rest, symptoms increased in severity with any physical activity.

Primary pulmonary hypertension – of specified severity: a condition associated with right ventricular enlargement established by cardiac catheterisation resulting in permanent physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Primary pulmonary hypertension (Idiopathic Pulmonary Arterial Hypertension with permanent impairment) means primary pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterisation and resulting in significant physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Primary pulmonary hypertension - of specified severity A condition associated with right ventricular enlargement established by cardiac catheterisation resulting in permanent physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Heart Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Pulmonary Asterial Hypertension - Up to 50% Cover Pulmonary Arterial Hypertension Means the Diagnosis of pulmonary arterial hypertension associated with right ventricular enlargement established by cardiac catheterisation and resulting in significant permanent physical impairment to the degree of at least Class 3 of the New York Heart Association classification of cardiac impairment.

Pulmonary Arterial Hypertension (idiopathic and familial with significant permanent impairment) - Full Payment The unequivocal diagnosis of pulmonary arterial hypertension with right ventricular enlargement (enlarged right side of the heart muscle) established by investigations including cardiac catheterisation which is either: * idiopathic (from a spontaneous or unknown cause); or * familial (inherited or genetic) resulting in permanent physical impairment to the degree of at least Class III of the World Health Organisation Functional Classification of Pulmonary Hypertension. The diagnosis must be confirmed by a relevant specialist medical practitioner.

idiopathic pulmonary arterial hypertension (with permanent impairment) means idiopathic pulmonary arterial hypertension with substantial right ventricular enlargement. The condition must be evidenced by investigations including cardiac catheterisation. Resulting physical impairment must be at least equivalent to Class III of the New York Heart Association classification of cardiac impairment.

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Severe Rheumatoid Arthritis (failed conventional DMARDs) means the unequivocal diagnosis of rheumatoid arthritis by a rheumatologist that meets qualification for treatment by biological agents under PBS requirements after treatment with conventional disease-modifying anti rheumatic drugs (DMARDs) having failed. Severe Rheumatoid Arthritis (failed conventional DMARDs and one bDMARD) means the unequivocal diagnosis of rheumatoid arthritis by a rheumatologist that meets qualification for treatment by biological agents under PBS requirements after treatment with conventional disease-modifying anti-rheumatic drugs (DMARDs) having failed and has failed to respond to treatment with a biological DMARD. Diagnosis must be confirmed by a consultant rheumatologist.

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Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Rheumatoid arthritis (severe) means the unequivocal diagnosis of rheumatoid arthritis by a rheumatologist which, despite appropriate treatment, including biological therapies, results in the life insured: • suffering at least 25% permanent whole person impairment as defined in the American Medical Association ‘Guides to the Evaluation of Permanent Impairment’, 5th edition, or an equivalent guide to impairment; or • being permanently unable to perform at least one of the activities of daily living without the physical assistance of another adult person. Appropriate treatment excludes corticosteroids and non-steroidal anti-inflammatories.

Severe Rheumatoid Arthritis – of specified severity The unequivocal diagnosis of severe rheumatoid arthritis by a Rheumatologist. The diagnosis must be supported by, and evidence, all of the following criteria: • at least a six-week history of severe rheumatoid arthritis which involves three or more of the following joint areas: – proximal interphalangeal joints in the hands – metacarpophalangeal joints in the hands – metatarsophalangeal joints in the foot – wrist, elbow, knee, or ankle • simultaneous bilateral and symmetrical joint soft tissue swelling or fluid (not bony overgrowth alone) • typical rheumatoid joint deformity, and • at least two of the following criteria: – morning stiffness – rheumatoid nodules – erosions seen on x-ray imaging – the presence of either a positive rheumatoid factor or the serological markers consistent with the diagnosis of severe rheumatoid arthritis. Or, if the above criteria is not met we will also consider under the following definition: The diagnosis must be supported and evidenced by all of the following criteria: a. diagnosis of Rheumatoid Arthritis as specified by the American College of Rheumatology and European League Against Rheumatism: 2010 Rheumatoid Arthritis Classification Criteria; and b. symptoms and signs of persistent inflammation (arthralgia, swelling, tenderness) in at least 20 joints or 4 large joints (ankles, knees, hips, elbows, shoulders); and c. the Insured person has failed at least 6 months of intensive treatment with two conventional disease modifying antirheumatic drugs (DMARDS). This excludes corticosteroids and non steroidal anti-inflammatories; and d. the disease must be progressive and non-responsive to all conventional therapy. Conventional therapy includes those medications available through the Australian Pharmaceutical Benefits Scheme excluding those on the “specialized drugs” list for Rheumatoid Arthritis. Degenerative osteoarthritis and all other arthridities are excluded.

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Severe rheumatoid arthritis (with significant impairment) - Full Payment Diagnosis of rheumatoid arthritis, confirmed by appropriate radiology and blood tests, that has failed to respond to all treatment regimens including, but not limited to, immunosuppressive and biological agents, causing: * a permanent impairment of at least 25% of whole person function; or * you to be totally and permanently unable to perform any one of the activities of daily living; OR The unequivocal diagnosis of severe rheumatoid arthritis by a Rheumatologist, supported and evidenced by at least a six-week history of severe rheumatoid arthritis, which involves three or more of the following joint areas: * proximal interphalangeal joints in the hands * metacarpophalangeal joints in the hands * metatarsophalangeal joints in the foot; and * wrist, elbow, knee, or ankle. Degenerative osteoarthritis and all other arthritides are excluded.

severe rheumatoid arthritis (with permanent daily life impact) means unequivocal diagnosis of rheumatoid arthritis confirmed by a rheumatologist or clinical immunologist. The condition must be evidenced by both: * failure to respond to at least three disease-modifying anti-rheumatic drugs (DMARDs) including one bDMARD, taken consistently for a period of at least nine months. This excludes corticosteroids and non-steroidal anti-inflammatories * a permanent and irreversible inability to perform at least one of the activities of daily living. Severe rheumatoid arthritis (with permanent daily life impact) doesn’t include degenerative osteoarthritis or any other arthritides.

Severe Burns (covering at least 20% of the body’s surface area) means tissue injury caused by thermal, electrical or chemical agents causing third degree or full thickness burns to at least: • 20% of the body surface area as measured by the ‘rule of 9’ of the Lund and Browder Body Surface Chart, or • 50% of both hands, requiring surgical debridement and/or grafting, or • 50% of the face, requiring surgical debridement and/or grafting.

Major Burns of specified severity means third degree burns or full thickness burns to at least: * 20% of the body surface area as measured by the Lund and Browder Body Surface Chart, or * 50% of both hands, requiring surgical debridement and/or grafting, or * 50% of the face, requiring surgical debridement and/or grafting.

Major burns – of specified severity: full thickness burns to 20% or more of the body surface, or to 50% of the face or 50% of both hands requiring surgical debridement and/or grafting.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Burns (severe) means tissue injury caused by thermal, electrical or chemical agents causing full thickness burns to either: • 20% or more of the body surface area as measured by the ‘Rule of Nines’ or the Lund and Browder Body Surface Chart • 50% or more of both hands, requiring surgical debridement and/or grafting • 50% or more of both feet, requiring surgical debridement and/or grafting • 50% or more of the face, requiring surgical debridement and/ or grafting • the whole of the skin of the genitalia, requiring surgical debridement and/or grafting.

Major Burns – of specified severity Full thickness burns to 20% or more of the body surface, or to 50% of the face or 50% of both hands requiring surgical debridement and/or grafting.

Disability Conditions and Accidental Incidents Tier 2 Benefits - Burns - Third Degree - up to 50% Cover Burns – full thickness Means burns through the full thickness of the skin to: • at least 9% of the body as measured by the ‘Rule of Nines’ or the Lund and Browder Body Surface Chart; • 50% or more of both hands, requiring surgical debridement and/or grafting; • 50% or more of both feet, requiring surgical debridement and/or grafting; • 50% or more of the face, requiring surgical debridement and/or grafting; or • the whole of the skin of the genitalia, requiring surgical debridement and/or grafting. Severe Burns Means burns that involve damage or destruction of the skin to its full depth through to the underlying tissue.

Severe burns (covering at least 20% of the body’s surface area) - Full Payment Tissue injury caused by thermal, electrical or chemical agents causing third degree full thickness or deep partial thickness burns to at least: * 20% of the body surface area as measured by the “Rule of Nines” or the Lund and Browder Body Surface Chart; * 50% of both hands, requiring surgical debridement and/or grafting; or * 50% of the face, requiring surgical debridement and/or grafting. The diagnosis must be confirmed by a relevant specialist medical practitioner.

severe burns (of specified extent) means tissue injury caused by thermal, electrical or chemical agents causing third degree (full thickness) burns to at least one of the following: * 20% of the body surface area as measured by The Rule of Nines or the Lund & Browder Body Surface chart * 50% or more of both hands, requiring surgical debridement and/or grafting * 50% or more of both feet, requiring surgical debridement and/or grafting * 50% or more of the face, requiring surgical debridement and/or grafting * the whole of the skin of the genitalia, requiring surgical debridement and/or grafting.

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Vital Organ and Digestive System Disorders Tier 3 Benefits - Crohn's Disease - Severe - Maximum Trauma Payment Cover amount is up to 25% (capped at $100,000) Crohn’s disease - severe Means the Diagnosis of Crohn’s disease that has failed to be controlled by treatment other than biological treatment and will require at least a period of 12 consecutive months treatment.

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Severe Diabetes means Diabetes Mellitus, either insulin or non-insulin dependent, as certified by a consultant Endocrinologist and resulting in at least two of the following criteria: * severe diabetic retinopathy resulting in visual acuity (uncorrected and corrected) of 6/36 or worse in both eyes despite treatment; * diabetic gangrene resulting in the need for surgical amputation and Loss of Digit * severe diabetic nephropathy causing chronic irreversible renal impairment as measured by a corrected creatinine clearance less than 28ml/min (CKD stage 4, International Chronic Kidney Disease classification); * neuropathy including: - irreversible autonomic neuropathy resulting in postural hypotension, and/or motility problems in the gut with intractable diarrhoea. - Polyneuropathy leading to significant mobility problems due to sensory and/or motor deficits.

Severe diabetes – of specified severity: Severe diabetes mellitus, either insulin or non-insulin dependent, as certified by a consultant endocrinologist and resulting in at least two of the following criteria: * Severe diabetic retinopathy resulting in visual acuity uncorrected and corrected of 6/36 or worse in both eyes * Severe diabetic neuropathy causing motor and/or autonomic impairment * Diabetic gangrene leading to surgical intervention * Severe diabetic nephropathy causing chronic irreversible renal impairment (as measured by a corrected creatinine clearance below the laboratory/ies measured normal range).

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Diabetes (severe) means that a medical practitioner who is a specialist physician has confirmed that at least two of the following complications have occurred as a direct result of diabetes: • nephropathy requiring regular dialysis or a kidney transplant • proliferative retinopathy • peripheral vascular disease leading to chronic infection or gangrene, requiring a surgical procedure • neuropathy including either: – irreversible autonomic neuropathy resulting in postural hypotension, and/or motility problems in the gut with intractable diarrhoea – polyneuropathy leading to severe mobility problems due to sensory and/or motor deficits.

Severe Diabetes - of specified severity Severe diabetes mellitus, either Insulin or Non-Insulin dependent, as certified by a consultant endocrinologist and resulting in at least two of the following criteria: • Severe Diabetic Retinopathy resulting in visual acuity uncorrected and corrected of 6/36 or worse in both eyes • Severe Diabetic Neuropathy causing motor and/or autonomic impairment • Diabetic Gangrene leading to surgical intervention • Severe Diabetic Nephropathy causing chronic irreversible renal impairment (as measured by a corrected creatinine clearance below the laboratory/ies measured normal range).

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Severe diabetes - Full Payment A certified consultant endocrinologist has confirmed that at least two of the following complications have occurred as a direct result of diabetes: * severe diabetic retinopathy resulting in visual acuity (whether aided or unaided) and corrected of 6/36 or worse in both eyes * severe diabetic neuropathy causing motor and/or autonomic impairment * diabetic gangrene leading to surgical intervention; or * severe diabetic nephropathy causing chronic irreversible renal impairment as measured by a corrected creatinine clearance less than 28ml/min (CKD stage 4, International Chronic Kidney Disease classification).

diabetes (of specified severity) means severe diabetes mellitus, either insulin or non-insulin dependent, as certified by a consultant endocrinologist. The condition must be evidenced by at least two of the following: * severe diabetic retinopathy resulting in visual acuity even when aided of 6/36 or worse in both eyes * severe diabetic neuropathy causing motor impairment, autonomic impairment or both motor and autonomic impairment * diabetic peripheral vascular disease resulting in amputation * severe diabetic nephropathy causing chronic irreversible renal impairment as measured by a corrected creatinine clearance less than 30ml/min.

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Severe osteoporosis – before age 50 and of specified severity. The insured person: * before the age of 50, suffers at least two vertebral body fractures and/or a fracture of the neck of femur, due to osteoporosis, and * has bone mineral density reading with a T-score of less than -2.5 (i.e. 2.5 standard deviations below the young adult mean for bone density). This must be measured in at least two sites by dual energy x-ray absorptiometry (DEXA).

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Osteoporosis (before age 50) means the life insured is unequivocally diagnosed with osteoporosis by bone density scanning and suffers at least two vertebral body fractures or a fracture of the neck of femur due to osteoporosis. The diagnosis of osteoporosis must occur prior to the age of 50.

Severe Osteoporosis - before age 50 and of specified severity The life insured: • before the age of 50, suffers at least two vertebral body fractures and/or a fracture of the neck of femur, due to osteoporosis, and • has bone mineral density reading with a T-score of less than -2.5 (ie 2.5 standard deviations below the young adult mean for bone density). This must be measured in at least two sites by dual energy x-ray absorptiometry (DEXA).

Means the disruption in the continuity of the bone, with or without displacement, confirmed by radiographic or scanning techniques. Microfractures, stress fractures, greenstick fractures, avulsion fractures, buckle fractures and linear fractures are excluded.

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Vital Organ and Digestive System Disorders Tier 3 Benefits - Ulcerative Colitis - Severe - maximum Trauma Cover Amount payable is 25% (capped at $100,000) Ulcerative Colitis – severe Means the Diagnosis of ulcerative colitis that has failed to be controlled by treatment other than biological treatment and will require at least a period of 12 consecutive months treatment.

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Stroke (resulting in neurological deficit) means a cerebrovascular event producing a new neurological deficit confirmed through clinical examination. This requires clear evidence on a CT, MRI or similar, appropriate scan or investigation that a stroke has occurred and of infarction of brain tissue, intracerebral and/or subarachnoid haemorrhage. The following are not covered: * transient ischaemic attacks; * non-stroke related reversible neurological deficit; * cerebral injury resulting from trauma; * cerebral injury resulting from hypoxia; * vascular disease affecting the eye or optic nerve; * ischaemic disorders of the vestibular system; * migraine or neurological deficit due to migraine.

Stroke (acute) with serious functional impairment means an acute neurological event caused by a cerebral or subarachnoid haemorrhage, cerebral embolism or cerebral thrombosis, where the following conditions are met: * there is an acute onset of objective and ongoing neurological signs that last more than 24 hours, and * findings on magnetic resonance imaging, computerised tomography, or other reliable imaging techniques, demonstrate a lesion consistent with the acute haemorrhage, embolism or thrombosis. Excluded: * acute, subacute and chronic subdural haematoma * brain damage due to an accident, infection or hypoxia * transient ischaemic attack * non-vasculitic inflammatory disease, and * vascular disease affecting the eye, optic nerve or vestibular functions only.

Stroke – in the brain and of specified severity: an incident in the blood vessels of the brain or bleeding in the brain leading to neurological effects that last for at least 24 hours. There must be clear evidence on a CT (Computed Tomography), MRI (Magnetic Resonance Imaging) or similar scan that a stroke has occurred. Transient ischaemic attacks, symptoms due to migraine, vascular disease of the optic nerve, physical head injury, reversible neurological deficit or any blood vessel incident outside the cranium, except embolism resulting in stroke, are excluded.

Trauma conditions for which we pay a full Trauma Benefit under Comprehensive and Premier Cover Stroke (diagnosed) means the diagnosis of a stroke that meets all of the following: • cerebrovascular incident producing neurological deficits lasting more than 24 hours; and • evidenced by acute onset of new objective neurological signs and symptoms; and • evidenced by neuro-imaging changes consistent with the signs and symptoms; and • confirmed by a medical practitioner who is a consultant neurologist. Includes where there is infarction of brain tissue, intracranial or subarachnoid haemorrhage or embolisation from extracranial source. Transient ischaemic attacks, migraine, vascular disease affecting the eye, optic nerve or vestibular functions, and incidental imaging findings (CT or MRI brain scan without clearly related clinical symptoms (silent stroke)), or as a result of hypoxia and trauma are excluded. If neuro-imaging is unavailable, then we will consider a claim based on conclusive evidence of unequivocal diagnosis by two specialist consultant neurologists.

Stroke - in the brain and of specified severity An incident in the blood vessels of the brain or bleeding in the brain leading to neurological effects that last for at least 24 hours. There must be clear evidence on a CT, MRI or similar scan that a stroke has occurred. Transient ischaemic attacks, symptoms due to migraine, vascular disease of the optic nerve, physical head injury, reversible neurological deficit or any blood vessel incident outside the cranium, except embolism resulting in stroke, are excluded.

Neurological Conditions 90 day No-Claim Period commences after cover starts Tier 2 Benefits - Stroke - with persisting Clinical Symptoms - up to 50% Cover Stroke – with persisting clinical symptoms Means the Diagnosis of a stroke with an acute onset of new objective neurological symptoms lasting more than 24 hours. The Diagnosis must be supported by neuroimaging evidence of a lesion consistent with the neurological symptoms. It specifically excludes: • transient ischaemic attacks; • brain or spinal cord damage due to an accident, Injury, infection, or non-vasculitic inflammatory disease; • vascular disease affecting the eye or optic nerve; • ischaemic disorders of the vestibular system; • strokes caused by or related to illicit drug use or substance abuse; • migraine; and • hypoxic events.

Stroke (resulting in neurological deficit) - Full Payment A cerebrovascular event producing neurological deficit. This requires clear evidence on a CT, MRI or similar, appropriate scan or investigation that a stroke has occurred and of infarction of brain tissue, intracranial and/or subarachnoid haemorrhage. Transient ischaemic attacks, non-stroke related reversible neurological deficit, cerebral symptoms due to migraine, cerebral injury resulting from critical illness or hypoxia and vascular disease affecting the eye, optic nerve or vestibular functions are excluded.

stroke (of specified severity) means a cerebrovascular event producing neurological sequela lasting at least 24 hours. The stroke must be evidenced by CT (Computerised Tomography), MRI (Magnetic Resonance Imaging) or similar scan which clearly shows one of the following: • infarction of brain tissue • intracranial or subarachnoid haemorrhage. Stroke (of specified severity) doesn’t include: • cerebral symptoms due to transient ischaemic attacks • reversible neurological deficit • migraine • cerebral injury resulting from trauma or hypoxia • disturbances of vision or balance due to disease of the eye, optic nerve, or the vestibular apparatus of the ear.

If Critical Illness Insurance is not Attached or Linked to Life Insurance, no benefits will be paid under Critical Illness Insurance unless the Life Insured survives the Critical Illness Event for at least 14 days.

Survival period You must survive for a period of 14 days from the date of suffering the Injury or Sickness that caused your Crisis Event.

you survive for at least 14 days from when you first suffer the critical illness event.

If the life insured has stand-alone Trauma Cover, Trauma Cover attached to TPD Cover or SuperLink Trauma with TPD – the life insured survives without life support for eight days after the date the trauma condition is met. The life insured must meet both the survival period and any time requirement of the trauma condition definition while their Trauma Cover is in force.

14 Days

Survival period The following exclusion applies to Standalone Trauma Cover and associated Individual Extras. We won’t pay any benefits if the Life Insured suffers a Trauma Condition but does not survive for at least 14 days from the date they first meet the definition of the Trauma Condition.

14 days

14 days