Severity Level
Conditions
– A combination of visual defects resulting in the same degree of visual impairment as either of the points above.
Loss of hearing in one ear means the life assured , as a result of sickness or injury, suffers severe hearing impairment in one ear, whether aided or unaided, resulting in an average hearing threshold in one ear of 91db or greater as measured at 500, 1000 and 1500Hz. The loss must be total and permanent.
Loss of one limb means the life assured , as a result of sickness or injury, permanently loses the entire use of one limb .
Serious burns means tissue injury caused by thermal, electrical or chemical agents causing third degree burns to: – greater than 1% and less than 9% of the body surface area as measured by The Rule of 9 or the Lund and Browder Body Surface Chart; or
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– both hands, requiring surgical debridement and grafting; or
– the face, requiring surgical debridement and grafting.
27. Schedule of Categories – other health conditions category
Severity Level
Conditions
Chronic liver failure means the life assured suffers end-stage liver failure as evidenced by:
– Permanent jaundice; or
– Ascites; or
– Encephalopathy.
Chronic lung failure means 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 of the following criteria:
– Type 1 respiratory failure defined as O2 <60mm hg; or
– Type 2 respiratory failure defined as CO2 >45mm hg; or
– the provision of home oxygen therapy according to clinical practice guidelines for hypoxia O2 <55mm hg (or 60mm hg in the presence of pulmonary hypertension); or
– FEV1 <35% predicted; or
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– DLCO (diffusing capacity or gas transfer) <40% predicted; or
– is unable to perform at least one of the activities of daily living as a result of the respiratory failure.
Chronic kidney failure means the kidneys of the life assured have 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. Primary pulmonary hypertension means the presence of irreversible raised pressure in the pulmonary arteries. The measurement reported must be the average level measured by cardiac catheterisation and be at least 30mmHG (mm of mercury) at rest. There must also be right ventricular dilatation and hypertrophy on echocardiogram with characteristic ECG changes.
Advanced Type 1 diabetes means the life assured has suffered at least two of the following complications as a direct result of Type 1 diabetes as confirmed by an appropriate specialist :
– Nephropathy requiring regular dialysis or a kidney transplant.
– Proliferative retinopathy.
1156 ALB-PC version 7 Effective 12 May 2026
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