Aplastic anaemia The life assured has suffered the first occurrence of permanent and irreversible bone marrow failure which results in anaemia, neutropenia and thrombocytopenia, requiring treatment with at least one of the following:
Intensive care benefit Means 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 at the recommendation of an appropriate specialist .
Blood product transfusion;
Unconsciousness caused by alcohol or drug abuse are specifically excluded.
Marrow stimulating agents;
Immunosuppressive agents;
Major transplant surgery The life assured has undergone, or been placed on the major organ transplant waiting list in New Zealand or Australia for a transplant from a human donor of one or more of the following organs or substances:
Bone marrow transplantation;
Haemopoietic stem cell transplantation.
Chronic liver failure The life assured suffers an unequivocal diagnosis of end- stage liver failure confirmed by an appropriate specialist and evidenced by one of the following conditions:
Kidney;
Heart;
permanent jaundice;
Lung;
ascites; or
Liver;
encephalopathy.
Pancreas;
Bone marrow; or
Chronic lung disease The life assured has irreversible chronic lung disease as confirmed by an appropriate specialist on the basis of respiratory function tests and which satisfies any one of the following criteria:
Intestine.
The transplant of all other organs or parts of any organ or of any other tissue or stem cell transplant is excluded.
The transplant must be considered medically necessary and the condition affecting the organ deemed untreatable by any means other than organ transplant, as confirmed by an appropriate specialist . Severe burns The life assured has suffered severe tissue injury caused by thermal, electrical or chemical agents. As a result, the life assured has full thickness or third-degree burns to:
Type 1 respiratory failure defined as O2 <60mm hg; or
Type 2 respiratory failure defined as CO2 >45 mm hg; or
the provision of home oxygen therapy according to clinical practice guidelines for hypoxia O2 <55 mm hg (or 60 mm hg in the presence of pulmonary hypertension); or
FEV1 <35% predicted; or
DLCO (diffusing capacity or gas transfer) < 40% predicted; or
at least 20% of the body surface area (as measured by age-appropriate use of The Rule of 9 or the Lund and Browder Body Surface Chart); or
is unable to perform at least one of the activities of daily living as a result of the respiratory failure.
Chronic renal failure The failure of both kidneys of the life assured having reached the end-stage of renal disease resulting in chronic irreversible failure of the kidneys to function, as a result of which regular renal dialysis is instituted or transplantation performed. Cognitive impairment A permanent and irreversible loss of cognitive function that requires the life assured to be under continual care and supervision by an appropriate carer for at least 8 hours per day, as certified by an appropriate specialist.
50% of both hands, requiring surgical debridement and/or grafting; or
25% of the face, requiring surgical debridement and/or grafting.
Systemic Sclerosis The life assured has been unequivocally diagnosed by an appropriate specialist with systemic sclerosis, causing the life assured to be totally and irreversibly unable to perform any one of the activities of daily living.
1166 ALB-ST version 2 Effective 12 May 2026
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