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Glossary

In this website, some words begin with a capital letter, for example, Acceptance Date. These words have a special meaning which is defined in relation to the insurance cover provided under the policy.

The defined terms for Life Insurance, Income Protection Insurance, Final Expenses Insurance and Accident Insurance are listed below.

Life Insurance Glossary

Acceptance Date means the date your application is accepted by us and cover starts as set out in the Policy Schedule.

Accident means an event resulting in bodily injury occurring while this Policy is in force, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self inflicted.

Accidental Death means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Accidental Death Insurance Acceptance Date means the date the optional Accidental Death Insurance comes into force as set out in the Policy Schedule.

Australian Resident means a person who resides in Australia at the time of application and either holds Australian or New Zealand citizenship; or holds an Australian permanent residency visa; or has been in Australia continuously for six months or more on a temporary work visa and resides in Australia.

Benefit Amount means the amount payable under this Policy for you in respect of Final Expenses Insurance and an Insured Child in respect of Children’s Insurance (as applicable). The Benefit Amount at the Acceptance Date for the Final Expenses Insurance and for each Insured Child is shown in the Policy Schedule.

Blindness means the complete and irrecoverable loss of the sight of both eyes as a result of injury or disease.

Children’s Insurance Acceptance Date means the date the optional Children’s Insurance comes into force in respect of an Insured Child, as set out in the Policy Schedule.

Commencement Date means the date your first premium payment is deducted, as set out in the Policy Schedule.

Congenital Condition means an illness, disability or defect existing at or from an Insured Child’s birth.

Coronary Artery Bypass Surgery means the undergoing of coronary artery bypass surgery which is considered medically necessary to correct or treat coronary artery disease. Surgery does not include angioplasty, or other intra-arterial and non-surgical procedures.

Deafness means the total, irreversible and irreparable loss of hearing (both natural and assisted) in both ears as a result of disease, illness or injury as measured by an audiogram.

Diplegia means total & permanent loss of use of corresponding parts of the body through injury causing permanent damage to the nervous system.

Encephalitis means the unequivocal diagnosis of encephalitis where the condition is characterised by severe inflammation of the brain, that results in a permanent impairment of at least 25% of whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Heart Attack means the death of a portion of heart muscle arising from inadequate blood supply to the relevant area. The basis for diagnosis must be supported by evidence on any two of the following:

  • new electrocardiograph (ECG) changes;
  • diagnostic elevation of cardiac enzymes or Troponin 1 greater than 2.0 ug/L or Tropinin T greater than o.6ug/L;
  • new pathological Q waves; and
  • evidence that the event produced a permanent reduction in the Cardiac Ejection Fraction to 50% or less.

Hemiplegia means the total & permanent loss of use of one half of the body through injury causing permanent damage to the nervous system.

Homemaker means the Life Insured who is the main provider of domestic duties within the family home and if also in paid employment, working for less than 10 hours per week. Domestic duties are the tasks performed by a Life Insured whose main occupation is to maintain their family home.

These tasks are:

  • cooking of meals for their family;
  • cleaning of the home;
  • shopping for their family’s food;
  • doing their family’s laundry; and
  • taking care of dependant children (if applicable).

Domestic duties do not include duties performed outside the person’s home for salary, reward or profit.

Insurance means, in respect of a Life Insured, the Insurance benefits that have been applied for by the Policyowner and accepted by us as indicated on the Policy Schedule.

Insurance Plan means the Insurance Plan nominated by the Policyowner in the application, subject to acceptance by us. The Insurance Plans available under the Policy are:

  • Single Plan – this Plan applies if the Key Life Insured is the only person nominated in the application.
  • Joint Plan – this Plan applies if there is a Key Life Insured and a Partner Life Insured nominated in the application.
  • Insured Child in respect of the optional Children’s Insurance means a person named in the Policy Schedule as an Insured Child.

Key Life Insured means a person named in the Policy Schedule as the Key Life Insured.

Life Insured means, as the context requires, the Key Life Insured and, if applicable, the Partner Life Insured.

Major Head Trauma means an injury to the head resulting in the Insured Child either:

  • suffering at least 25% permanent impairment of whole person function (as defined in the American Medical Association publication Guides to the Evaluation of Permanent Impairment, 5th Edition), or
  • being permanently unable to perform at least one of the following “activities of daily living” without the physical assistance of someone else and without the use of special equipment:
Activity Description
Washing bathing and showering
Dressing dressing and undressing
Eating eating and drinking
Continence maintaining continence with a reasonable level
of personal hygiene
Mobility getting in and out of bed, a chair or wheelchair, or moving from place to place by walking, wheelchair or walking aid

Malignant Cancer means the confirmed diagnosis of the presence of one or more malignant tumours characterised by the uncontrolled growth and spread of malignant cells, and the invasion and destruction of normal tissue, including leukaemia and Hodgkin’s Disease.

The following cancers are not covered:

  • tumours showing the malignant changes of carcinoma in situ, (including cervical dysplasia CIN-1, CIN-2, and
  • CIN-3) or which are histologically described as pre-malignant. Carcinoma in situ of the breast is covered if it
  • results in the removal of the entire breast. This procedure must be considered the appropriate and necessary
  • treatment to specifically arrest the spread of malignancy;
  • all skin cancers of less than 1.5mm maximum thickness and also less than Clark Level 3 depth of invasion;
  • all Hyperkeratosis or Basal Cell Carcinoma (BCC) of skin and Squamous Cell Carcinoma (SCC) of skin unless
  • there has been a spread to other organs; and
  • prostate cancers which are histologically described as TNM classification T1 or are of another equivalent or
  • lesser classification unless resulting in the surgical removal of the complete prostate.

Medical Practitioner is a qualified, practicing medical specialist, licensed to practice his or her medical specialty within Australia or New Zealand, and whose specialty qualifies him or her to make a prognosis of Terminal Illness or as the context requires, the diagnosis of an illness, disability or injury covered under this Policy, of a Life Insured. The Medical Practitioner must not be the Policyowner or a Life Insured under this Policy, their spouse, relative or business associate.

Meningitis means the unequivocal diagnosis of meningitis where the condition is characterised by severe inflammation of the meninges of the brain, that results in suffering permanent impairment of at least 25% of the whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Paralysis means the total & permanent loss of use of two or more limbs through disease or injury causing permanent damage to the nervous system. This includes, but is not limited to, Paraplegia, Quadriplegia, Diplegia, Tetraplegia and Hemiplegia.

Paraplegia means the total & permanent loss of use of two limbs through injury causing permanent damage to the nervous system.

Partner Life Insured means a person named in the Policy Schedule as the Partner Life Insured. A Partner may be a legal spouse or de-facto of the Key Life Insured and may be of the same gender as the Key Life Insured.

PDS is an abbreviation of Product Disclosure Statement.

Pre-Tax Income means income earned through personal exertion calculated after the deduction of expenses incurred in producing that income and before the deduction of income tax.

Policy means the legal contract between the Policyowner and us. This PDS, your application, any future application accepted by us, the current Schedule, and any special conditions, amendments, or endorsements make up the Policy.

Policy Anniversary means the anniversary of the Commencement Date of your Policy.

Policyowner, you, your, yours means the Key Life Insured. This Policy may not be transferred or assigned to another person.

Quadriplegia / Tetraplegia means the total & permanent loss of use of all limbs through injury causing permanent damage to the nervous system.

Schedule means the Schedule issued with this Policy and updated from time to time. A new Schedule will be issued at any time we agree with you to change the details in respect of a Life Insured under this Policy. A new Schedule will replace previous Schedules.

Serious Illness Insurance Acceptance Date means the date the Serious Illness Insurance comes into force as set out in the Policy Schedule.

Stroke means any cerebrovascular accident or incident producing neurological sequelae lasting more than 24 hours. This includes infraction of brain tissue, intracranial or subarachnoid haemorrhage, embolisation from an extracranial source, but excludes transient ischaemic attacks and cerebral events and symptoms due to reversible neurological deficits and migraine. The basis for diagnosis shall be supported by evidence on a Computerised Tomography (CT), Magnetic Resonance Imaging (MRI) or similar scan that a stroke has occurred and of infarction of brain tissue or intracranial or subarachnoid haemorrhage.

Terminal Illness means a confirmed diagnosis by a Medical Practitioner who is a specialist in the field, of a terminal illness where life expectancy is 12 months or less as a direct result of acquiring the illness.

Income Protection Glossary

Acceptance Date means the date your application is accepted by us and cover starts as set out in the Policy Schedule.

Accident means an event resulting in bodily injury occurring while this Policy is in force, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self inflicted.

Accidental Death means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Australian Resident means a person who resides in Australia at the time of application and either holds Australian or New Zealand citizenship; or holds an Australian permanent residency visa; or has been in Australia continuously for six months or more on a temporary work visa and resides in Australia.

Benefit Amount means the amount payable under this Policy for you in respect of Final Expenses Insurance and an Insured Child in respect of Children’s Insurance (as applicable). The Benefit Amount at the Acceptance Date for the Final Expenses Insurance and for each Insured Child is shown in the Policy Schedule.

Benefit Period means the maximum length of time that we will pay the Income Benefit for the same or related Disabling Sickness or Injury during the life of the Policy. The Benefit Period is shown in the Policy Schedule.

Blindness means the complete and irrecoverable loss of the sight of both eyes as a result of injury or disease.

Commencement Date means the date on which your first premium payment is deducted. The date you select for the first premium deduction is set out in the Policy Schedule.

Congenital Condition means an illness, disability or defect existing at or from an Insured Child’s birth.

Deafness means the total, irreversible and irreparable loss of hearing (both natural and assisted) in both ears as a result of disease, illness or injury as measured by an audiogram.

Diplegia means total & permanent loss of use of corresponding parts of the body through injury causing permanent damage to the nervous system.

Disabling Sickness or Injury means due to a Sickness or Injury occurring after the Acceptance Date, you are:

  • confirmed by a Medical Practitioner as being unable to perform the usual duties of your Regular Occupation necessary to produce income; and
  • you are under the regular care, and following the advice, of a Medical Practitioner in relation to your Sickness or Injury for which you are claiming; and
  • suffering a loss of income; and
  • you are not engaged in your Regular Occupation or any other gainful occupation.

Disabled / Disability has the same meaning as Disabling Sickness or Injury.

Domestic Duty Tasks are the tasks performed by a Homemaker Life Insured whose main occupation is to maintain the family home and who, if in paid employment, is working less than 10 hours per week.

These tasks are:

  • cooking of meals for their family;
  • cleaning of the home;
  • shopping for their family’s food;
  • doing their family’s laundry; and
  • taking care of dependant children (if applicable).

Domestic Duties do not include duties performed outside the person’s home for salary, reward or profit.

Encephalitis means the unequivocal diagnosis of encephalitis where the condition is characterised by severe inflammation of the brain, that results in a permanent impairment of at least 25% of whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Hemiplegia means the total & permanent loss of use of one half of the body through injury causing permanent damage to the nervous system.

Homemaker means the main provider of Domestic Duty Tasks within the family home and if also in paid employment, working for less than 10 hours per week.

Homemaker Benefit means the Homemaker monthly amount you are entitled to receive in respect of Homemaker Insurance under the Policy terms and conditions.

Homemaker Life Insured means the Life Insured named in the Policy Schedule in respect of the Homemaker Insurance. A Homemaker may be your legal spouse or de-facto and may be the same gender as you.

Homemaker Monthly Amount Insured is the amount shown on the Policy Schedule and is used to calculate the Homemaker Benefit.

Income Benefit means the monthly benefit amount you are eligible to receive in respect of Income Protection Insurance under the Policy terms and conditions.

Injury means a bodily injury caused by an Accident.

Insurance means, in respect of a Life Insured, the Insurance benefits that have been applied for by the Policyowner and accepted by us as indicated on the Policy Schedule.

Insured Child in respect of the optional Children’s Insurance means the Life Insured named in the Policy Schedule in respect of Children’s Insurance.

Life Insured means, as the context requires, you and, if applicable, the Homemaker Life Insured and an Insured Child.

Major Head Trauma means an injury to the head resulting in the Insured Child either:

  • suffering at least 25% permanent impairment of whole person function (as defined in the American Medical Association publication Guides to the Evaluation of Permanent Impairment, 5th Edition), or
  • being permanently unable to perform at least one of the following “activities of daily living” without the physical assistance of someone else and without the use of special equipment:
Activity Description
Washing bathing and showering
Dressing dressing and undressing
Eating eating and drinking
Continence maintaining continence with a reasonable level
of personal hygiene
Mobility getting in and out of bed, a chair or wheelchair,
or moving from place to place by walking, wheelchair or walking aid

Medical Practitioner is a qualified, practicing medical specialist, licensed to practice his or her medical specialty within Australia or New Zealand, and whose specialty qualifies him or her to diagnose a medical condition, an illness, or injury covered under this Policy, of a Life Insured. The Medical Practitioner must not be the Policyowner or a Life Insured under this Policy, their spouse, relative or business associate.

Meningitis means the unequivocal diagnosis of meningitis where the condition is characterised by severe inflammation of the meninges of the brain, that results in suffering permanent impairment of at least 25% of the whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Mental Disorder or Illness means any disorder or illness classified in the Diagnostic and Statistical Manual of Mental Disorders, Volume IV, published by the American Psychiatric Association (or such replacement or successor publication we approve, or if none then a comparable publication as selected by us). Such mental disorder conditions include, but are not limited to:

Paraplegia means the total & permanent loss of use of two limbs through injury causing permanent damage to the nervous system.

PDS is an abbreviation of Product Disclosure Statement.

Pre-Disability Income is the calculation of the highest average amount of monthly Pre-Tax Income for any period of 12 consecutive months during the two years immediately before you became Disabled, verified in the form of tax returns or employer issued payslips. If you are on maternity, paternity or other paid or unpaid leave and you become Disabled, your Pre-Disability Income will be the highest average amount of monthly Pre-Tax Income for any period of 12 consecutive months during the two years immediately before your leave commenced.

Pre-Tax Income means income earned through personal exertion calculated after the deduction of expenses incurred in producing that income and before the deduction of income tax.

Policy means the legal contract between the Policyowner and us. This PDS, your application, any future application accepted by us, the current Schedule, and any special conditions, amendments, or endorsements make up the Policy.

Policy Anniversary means the anniversary of the Commencement Date of your Policy.

Policyowner, you, your, yours means the owner of the Policy named in the Policy Schedule and the Life Insured for the Income Protection Insurance and if applicable, the Final Expenses Insurance. This Policy may not be transferred or assigned to another person.

Quadriplegia/Tetraplegia means the total & permanent loss of use of all limbs through injury causing permanent damage to the nervous system.

Regular Occupation means the occupation predominantly performed in the 12 months prior to the Sickness or Injury causing Disability. If you are on maternity, paternity or other paid or unpaid leave for more than 12 consecutive months immediately prior to the Sickness or Injury causing Disability, then your Regular Occupation is any occupation that you are reasonably capable of performing having regard to your education, training or experience.

Rehabilitation Program means a program or plan that:

  1. is designed to assist you in returning to work either in your own occupation or in any other occupation for which you are suited by training, education or experience, and
  2. has been approved by an appropriately tertiary qualified vocational or rehabilitation specialist.

Schedule means the Schedule issued with this Policy and updated from time to time. A new Schedule will be issued at any time we agree with you to change the details in respect of a Life Insured under this Policy. A new Schedule will replace previous Schedules.

Sickness means sickness or disease which first manifests itself after the date on which the applicable Insurance benefit starts. Any sickness or disease that is the direct or indirect result of elective or transplant surgery is excluded.

Total & Permanent Loss of Use of Two Limbs means complete and irrecoverable loss of the use of two limbs. Limb in this context means an arm, leg, hand or foot.

Waiting Period means the period you must wait before the Income Benefit becomes payable under the Policy, as set out in your Policy Schedule. The waiting periods you can choose from are 30 or 90 days.

Final Expenses Insurance Glossary

Acceptance Date means in respect of a Life Insured, the date an application for a Life Insured is accepted by us and cover starts, as set out in the Policy Schedule.

Accident means an event resulting in bodily injury occurring while this Policy is in force, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self inflicted.

Accidental Death means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Accidental Serious Injury Acceptance Date means the date the optional Accidental Serious Injury Insurance comes into force as set out in the Policy Schedule.

Australian Resident means a person who resides in Australia at the time of application and either holds Australian or New Zealand citizenship; or holds an Australian permanent residency visa; or has been in Australia continuously for six months or more on a temporary work visa and resides in Australia.

Benefit Amount means the amount payable on the applicable insured event covered under this Policy in respect of a Life Insured. The Benefit Amount at the Acceptance Date for each benefit for each Life Insured is shown in the Policy Schedule.

Blindness means the complete and irrecoverable loss of the sight of both eyes as a result of injury.

Commencement Date means the date your first premium payment is deducted, as set out in the Policy Schedule.

Deafness means the total, irreversible and irreparable loss of hearing (both natural and assisted) in both ears as a result of injury as measured by an audiogram.

Hemiplegia means the total and permanent loss of use of one half of the body through injury causing permanent damage to the nervous system.

Insurance means in respect of a Life Insured, the Insurance benefits that have been applied for by the Policyowner and accepted by us as indicated on the Policy Schedule.

Insurance Plan means the Insurance Plan nominated by the Policyowner in the application, subject to acceptance by us.
The Insurance Plans available under the Policy are:

  • Single Plan – this Plan applies if the Key Life Insured is the only person nominated in the application.
  • Family Plan – this Plan applies if there is a Key Life Insured and;
    1. a Partner Life Insured; and/or
    2. a financially dependent child/children nominated in the application.

Key Life Insured means a person named in the Policy Schedule as the Key Life Insured.

Life Insured means as the context requires, the Key Life Insured and, if applicable, the Partner Life Insured and if applicable, the financially dependent children accepted by us. The Lives Insured are set out in the Policy Schedule.

Medical Practitioner is a qualified, practicing medical specialist, licensed to practice his or her medical specialty within Australia or New Zealand, and whose specialty qualifies him or her to make a prognosis related to the Accidental Serious Injury of a Life Insured. The Medical Practitioner must not be the Policyowner or a Life Insured under this Policy, their spouse, relative or business associate.

Paraplegia means the total and permanent loss of use of two limbs through injury causing permanent damage to the nervous system.

Partner Life Insured means a person named in the Policy Schedule as the Partner Life Insured. A Partner may be a legal spouse or de facto of the Key Life Insured and may be of the same gender as the Key Life Insured.

PDS is an abbreviation of Product Disclosure Statement.

Policy means the legal contract between the Policyowner and us. This PDS, your application, any future application accepted by us, the current Schedule, and any special conditions, amendments, or endorsements make up the Policy.

Policy Anniversary means the anniversary of the Commencement Date of your Policy.

Policyowner, you, your, yours means the Key Life Insured. This Policy may not be transferred or assigned to another person.

Quadriplegia means the total and permanent loss of use of all limbs through injury causing permanent damage to the nervous system.

Schedule means the Schedule issued with this Policy and updated from time to time. A new Schedule will be issued at any time we agree with you to change the details in respect of a Life Insured under this Policy. A new Schedule will replace previous Schedules.

Total & Permanent Loss of Use of Two Limbs means complete and irrecoverable loss of the use of two limbs through injury. Limb in this context means an arm, leg, hand or foot.

Accident Insurance Glossary

Acceptance Date means the date your application is accepted by us and cover starts as set out in the Policy Schedule.

Accident means an event resulting in bodily injury occurring while this Policy is in force, where the injury is directly and solely caused by accidental, violent, external and visible means without any other contributing causes and where the injury is not self inflicted.

Accidental Death means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Accidental Serious Injury means a Serious Injury occurring as a direct result of an Accident and where the Serious Injury occurs within 12 months of the Accident.

Australian Resident means a person who resides in Australia at the time of application and either holds Australian or New Zealand citizenship; or holds an Australian permanent residency visa; or has been in Australia continuously for six months or more on a temporary work visa and resides in Australia.

Benefit Amount means the amount payable on the applicable insured event covered under this Policy in respect of a Life Insured. The Benefit Amount at the Acceptance Date for each Life Insured is shown in the Policy Schedule.

Blindness means the complete and irrecoverable loss of the sight of both eyes as a result of injury.

Children’s Insurance Acceptance Date means the date the optional Children’s Insurance comes into force in respect of an Insured Child, as set out in the Policy Schedule.

Commencement Date means the date your first premium payment is deducted, as set out in the Policy Schedule.

Congenital Condition means an illness, disability or defect existing at or from an Insured Child’s birth.

Deafness means the total, irreversible and irreparable loss of hearing (both natural and assisted) in both ears as a result of injury as measured by an audiogram.

Encephalitis means the unequivocal diagnosis of encephalitis where the condition is characterised by severe inflammation of the brain, that results in a permanent impairment of at least 25% of whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Expiry Date means the Policy Anniversary following the attainment of age 75 by the Life Insured.

Hemiplegia means the total and permanent loss of use of one half of the body through injury causing permanent damage to the nervous system.

Insurance means, in respect of a Life Insured, the Insurance benefits that have been applied for by the Policyowner and accepted by us as indicated on the Policy Schedule.

Insurance Plan means the Insurance Plan nominated by the Policyowner in the application, subject to acceptance by us.
The Insurance Plans available under the Policy are:

  • Single Plan – this Plan applies if the Key Life Insured is the only person nominated in the application.
  • Joint Plan – this Plan applies if there is a Key Life Insured and a Partner Life Insured nominated in the application.

Key Life Insured means a person named in the Policy Schedule as the Key Life Insured.

Life Insured means, as the context requires, the Key Life Insured and, if applicable, the Partner Life Insured.

Major Head Trauma means an injury to the head resulting in the Insured Child either:

  • suffering at least 25% permanent impairment of whole person function (as defined in the American Medical Association publication Guides to the Evaluation of Permanent Impairment, 5th Edition), or
  • being permanently unable to perform at least one of the following “activities of daily living” without the physical assistance of someone else and without the use of special equipment:
Activity Description
Washing bathing and showering
Dressing dressing and undressing
Eating eating and drinking
Continence maintaining continence with a reasonable level
of personal hygiene
Mobility getting in and out of bed, a chair or wheelchair,
or moving from place to place by walking, wheelchair or walking aid

Medical Practitioner is a qualified, practicing medical specialist, licensed to practice his or her medical specialty within Australia or New Zealand, and whose specialty qualifies him or her to make the diagnosis of an injury covered under this Policy, of a Life Insured. The Medical Practitioner must not be the Policyowner or a Life Insured under this Policy, their spouse, relative or business associate.

Meningitis means the unequivocal diagnosis of meningitis where the condition is characterised by severe inflammation of the meninges of the brain, that results in suffering permanent impairment of at least 25% of the whole person function (as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 5th Edition).

Paralysis means the total and permanent loss of use of two or more limbs through disease or injury causing permanent damage to the nervous system. This includes, but is not limited to, Paraplegia, Quadriplegia, Diplegia, Tetraplegia and Hemiplegia.

Paraplegia means the total and permanent loss of use of two limbs through injury causing permanent damage to the nervous system.

Partner Life Insured means a person named in the Policy Schedule as the Partner Life Insured. A Partner may be a legal spouse or de-facto of the Key Life Insured and may be of the same gender as the Key Life Insured.

PDS is an abbreviation of Product Disclosure Statement.

Policy means the legal contract between the Policyowner and us. This PDS, your application, any future application accepted by us, the current Schedule, and any special conditions, amendments, or endorsements make up the Policy.

Policy Anniversary means the anniversary of the Commencement Date of your Policy.

Policyowner, you, your, yours means the Key Life Insured. This Policy may not be transferred or assigned to another person.

Quadriplegia means the total and permanent loss of use of all limbs through injury causing permanent damage to the nervous system.

Schedule means the Schedule issued with this Policy and updated from time to time. A new Schedule will be issued at any time we agree with you to change the details in respect of a Life Insured under this Policy. A new Schedule will replace previous Schedules.

Serious Injury means Quadriplegia, Paraplegia, Hemiplegia, Blindness, Deafness, or Total and Permanent Loss of Use of Two Limbs.

Total and Permanent Loss of Use of Two Limbs means complete and irrecoverable loss of the use of two limbs through injury. Limb in this context means an arm, leg, hand or foot.

  • post traumatic stress;
  • physical symptoms of a psychiatric illness;
  • anxiety;
  • depression;
  • psychoneurosis;
  • psychotic, personality, emotional or behavioural disorders; and
  • disorders related to substance abuse or dependency which include alcohol, drug or chemical dependency.

Mental disorders or illnesses do not include dementia (except where the dementia is related to substance abuse or dependency), Alzheimer’s disease or head injuries.

Monthly Amount Insured is the amount shown on the Policy Schedule and is used to calculate the Income Benefit.

Other Payments are:

  • workers compensation;
  • compensation for motor vehicle injury;
  • payments made under statute, regulation or ordinance;
  • damages paid under common law whether modified or not by statute;
  • payments received from any other disability income, illness or injury policies, including group insurance policies; and
  • sick leave or any other approved leave payments received. This does not include an entitlement to these payments when they are not received or taken.

If any of the ‘Other Payments’ are paid in a lump sum we convert to its equivalent in terms of monthly income. We calculate this based on actuarial advice, by looking at the circumstances in which the payments were made.

Paralysis means the total & permanent loss of use of two or more limbs through disease or injury causing permanent damage to the nervous system. This includes, but is not limited to, Paraplegia, Quadriplegia, Diplegia, Tetraplegia and Hemiplegia.


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