Severity Level
Conditions
Muscular dystrophy with severity means the unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA and resulting in permanent and irreversible inability to perform two activities of daily living .
Major head trauma means accidental cerebral injury resulting in permanent neurological deficit with persisting clinical symptoms .
Motor neurone disease means unequivocal diagnosis of motor neurone disease diagnosed by an appropriate specialist approved by AIA .
Dementia and Alzheimer’s Disease with severity means the diagnosis of advanced Dementia or Alzheimer's disease and resulting in significant cognitive impairment or permanent irreversible inability to perform two activities of daily living . Peripheral neuropathy means the irreversible inflammation or degradation of a peripheral nerve, diagnosed by an appropriate specialist approved by AIA . Stroke resulting in at least three months after the life assured suffered the stroke a persisting neurological deficit which is confirmed by a registered medical specialist who is a consultant neurologist or neurological occupational therapist and by a clinical neurological examination. Multiple sclerosis diagnosis means the unequivocal diagnosis of multiple sclerosis confirmed by CT or MRI scans and diagnosed by an appropriate specialist approved by AIA .
2
Muscular dystrophy diagnosis means the unequivocal diagnosis of muscular dystrophy diagnosed by an appropriate specialist approved by AIA .
Parkinson’s Disease diagnosis means the unequivocal diagnosis of Idiopathic Parkinson’s disease by an appropriate specialist approved by AIA .
Meningitis diagnosis means the diagnosis of meningitis by an appropriate specialist approved by AIA .
Encephalitis diagnosis means the unequivocal diagnosis of severe inflammatory disease of the brain diagnosed by an appropriate specialist approved by AIA .
3
Dementia and Alzheimer’s Disease means the diagnosis of either Advanced Dementia or Alzheimer’s disease by a consultant neurologist, psychiatrist or geriatrician which meets the following criteria:
– there must be permanent clinical loss of the cognitive ability to do one or more of the following for which no other physical cause has been identified:
• remember;
• reason;
• perceive, understand, express and give effect to ideas
and;
– neurological and physical investigations are required to confirm the diagnosis such as blood and urine tests, brain scans, mental status assessment to determine the level of mental deterioration. > Stroke (as defined in the key term). If neuro-imaging is unavailable or inconclusive, then we will consider a claim based on a definite diagnosis by two specialist consultant neurologists; one approved by AIA and one of the life assured’s choosing. Cerebral Aneurysm means a cerebral aneurysm of any size where the intracranial aneurysm is confirmed by an appropriate specialist and has been treated surgically via clipping or endovascular surgery.
4
This requires evidence of: – acute onset of new objective neurological signs and symptoms; and
– evidenced by neuro-imaging changes consistent with the signs and symptoms. Only one claim can be made for this partial payment per life assured for the duration of this policy, regardless of the number of cerebral aneurysms suffered.
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1106 AL-PC version 7 Effective 12 May 2026
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