Major neurological disease
Major head trauma An accidental cerebral injury diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit resulting in total and irreversible inability to perform one of the activities of daily living .
The life assured has suffered or undergone one of the following conditions :
Alzheimer’s disease The unequivocal diagnosis of Alzheimer's disease, resulting in significant cognitive impairment or permanent irreversible inability to perform two activities of daily living . The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics. Coma Means a state of unconsciousness with no reaction to external stimuli or internal needs which, at the recommendation of an appropriate specialist , results in continuous mechanical ventilation by means of tracheal intubation for at least seven days or the admission to the intensive care ward of a hospital for at least fifteen consecutive days.
Major head trauma arising from drug and alcohol abuse is specifically excluded.
Meningitis The diagnosis of meningitis by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit resulting in total and irreversible inability to perform one of the activities of daily living .
Motor neurone disease The unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by AIA .
Coma caused by alcohol or drug abuse is specifically excluded.
Multiple sclerosis The unequivocal diagnosis of multiple sclerosis as confirmed by an appropriate specialist and resulting in total and irreversible inability of the life assured to perform at least one of the activities of daily living .
Creutzfeldt-Jakob disease The diagnosis of Creutzfeldt-Jakob disease confirmed by an appropriate specialist neurologist. The life assured must exhibit signs and symptoms of cerebellar dysfunction, severe progressive dementia, uncontrolled muscle spasm, tremor and athetosis, resulting in the life assured requiring permanent and continual medical supervision. Dementia The unequivocal diagnosis of dementia, resulting in significant cognitive impairment or permanent irreversible inability to perform two activities of daily living . The diagnosis is confirmed by an appropriate specialist in psychogeriatrics, psychiatry, neurology or geriatrics. Encephalitis The unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit resulting in total and irreversible inability to perform one of the activities of daily living . Idiopathic Parkinson’s disease The unequivocal diagnosis of Idiopathic Parkinson’s disease as confirmed by an appropriate specialist and resulting in total and irreversible inability of the life assured to perform one of the activities of daily living.
Multiple sclerosis means a disease characterised by demyelination in the brain and/or spinal cord.
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. Muscular dystrophy The unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA and resulting in total and irreversible inability of the life assured to perform at least one of the activities of daily living. Peripheral neuropathy Irreversible inflammation or degradation of a peripheral nerve, diagnosed by an appropriate specialist approved by AIA . The life assured must have also sustained a neurological deficit resulting in total and irreversible inability to perform one of the activities of daily living . Stroke Stroke resulting in total and irreversible inability of the life assured to perform one of the activities of daily living . If required, the assessment may need to be deferred until all
1166 ALB-ST version 2 Effective 12 May 2026
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