Any two conditions that are both related conditions of a third condition will be treated as related conditions to each other for calculating the amount payable. The Schedule of related conditions detailed in Section 25 outlines some of the conditions that are deemed to be related conditions of other conditions . The list is not exhaustive. Means mental deterioration and loss of intellectual ability, evidenced by deterioration in memory, orientation and reasoning, which are measurable and result from demonstrable organic cause as diagnosed by a specialist . The degree of cognitive impairment must be sufficiently severe to require a minimum of 16 hours of daily supervision by a nursing service approved by us. Determination of a cognitive impairment will be made on the basis of clinical data and valid standardised measures of such impairments. The ‘Sum Assured’ shown in the schedule for the Progressive Care Benefit. This includes any increase by the consumers price index if your benefit indexation type is specified in the schedule as CPI Linked. As defined in the ‘Guides to the Evaluation of Permanent Impairment – 4th Edition’ (or subsequent editions), produced by the American Medical Association and measured six months beyond initial diagnosis. Personal effort using the life assured ’s time and skills, whether or not income is generated for the life assured . Worked and working have similar meaning.
significant cognitive impairment
sum assured
whole person functioning
Work
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1106 AL-PC version 7 Effective 12 May 2026
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