Cardiac and Vascular

  • CardiomyopathyC
  • Coronary artery angioplasty – triple vessel*
  • Coronary artery angioplasty – less than triple vessel*#
  • Coronary artery bypass grafting surgery*
  • Heart attack during cardiac procedure*
  • Heart surgery (open) #
  • Out-of-hospital cardiac arrest
  • Repair or replacement of aorta*
  • Repair or replacement of aorta – minimally invasive surgery*#
  • Repair or replacement of heart valves*
  • Severe congestive cardiac failure
  • Significant heart attack*

Cancer and Blood Disease

  • Aplastic anaemia
  • Advanced diabetes*
  • Advanced diabetes – diagnosis benefit*#
  • Cancer*C
  • Early stage cancer – diagnosis benefit*#
  • HIV – medically acquired
  • HIV – occupationally acquired 

Neurological 

  • Coma
  • Creutzfeldt-Jakob disease
  • Dementia/Alzheimer’s disease
  • Dementia/Alzheimer’s disease – diagnosis benefit#
  • EncephalitisC
  • Major head trauma
  • MeningitisC
  • Motor neurone disease*
  • Multiple sclerosis*
  • Multiple sclerosis – diagnosis benefit*#
  • Muscular dystrophy
  • Muscular dystrophy – diagnosis benefit#
  • Parkinson’s disease
  • Parkinson’s disease – diagnosis benefit#
  • Peripheral neuropathy
  • Stroke*C
  • Systemic Lupus Erythematosus (SLE) with nephritis#
  • Systemic sclerosis

Major Organs

  • Chronic liver failure
  • Chronic lung failure
  • Colostomy and/or Ileostomy#
  • Kidney failureC
  • Major burns
  • Major organ transplant*C
  • Pneumonectomy
  • Primary pulmonary hypertension
  • Serious burns
  • Severe inflammatory bowel disease

Functional Impairment

  • Benign intracranial tumourC
  • BlindnessC
  • Blindness – one eye#
  • DeafnessC
  • Deafness – one ear#
  • Intensive  care treatment#C
  • Loss of independent existence
  • Loss of limbsC
  • Loss of limbs – single limb#
  • Loss of speechC
  • Paralysis – diplegiaC
  • Paralysis – hemiplegiaC
  • Paralysis – paraplegiaC
  • Paralysis – quadriplegia/tetraplegiaC
  • Severe osteoporosis
  • Severe rheumatoid arthritis

*If any of these serious medical conditions occur within 90 days of the risk commencement date of cover, or the date cover is reinstated, no benefit amount is payable.

#Partial payment benefits. Please refer to the policy document for full details.

c Also included as a children's benefit serious medical condition. Please refer to the policy document for full details.