STROKE Stroke (resulting in functional loss) means any cerebrovascular accident or incident producing permanent neurological deficit causing either: Life Assured to suffer at least 25% permanent impairment of whole person function^; or Life Assured to be constantly and permanently unable to perform at least two (2) of the numbered Activities of Daily Living without the physical assistance of someone else (if the Life Assured can perform the activity on their own by using special equipment, We will treat the Life Assured as able to perform that activity). This requires clear evidence on a CT, MRI or similar scan that a stroke has occurred and evidence of: infarction of brain tissue; and intracranial or subarachnoid haemorrhage ; or embolisation. Cerebral symptoms due to transient ischaemic attacks, cerebral injury resulting from trauma or hypoxia, and vascular disease affecting the eye or optic nerve or vestibular functions are excluded. ^as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’ 6th Edition. CORONARY ARTERY BYPASS SURGERY Coronary Artery Bypass Surgery means the actual undergoing of surgery to correct the narrowing or blockage of one (1) or more coronary arteries with bypass grafts for the first time, due to disease of those arteries. The operation must be considered necessary by a Specialist Cardiologist. Non- surgical techniques such as angioplasty, catheter based techniques, laser or other intra-arterial procedures are excluded. HEART VALVE SURGERY Heart Valve Surgery means the undergoing of surgery to replace or repair a cardiac valve or valves as a consequence of heart valve defects or abnormalities but does not include angioplasty, intra-arterial procedures or other non-surgical techniques. SURGERY TO AORTA Surgery to Aorta means surgical repair to the aorta to correct any narrowing, dissection or aneurysm of the thoracic or abdominal aorta but does not include angioplasty, intra-arterial procedures or other non-surgical techniques. Traumatic injury of the aorta is excluded. PULMONARY ARTERIAL HYPERTENSION (PRIMARY) Pulmonary Arterial Hypertension (Primary ) means primary idiopathic pulmonary hypertension associated with right ventricular enlargement established by cardiac catheterisation. MAJOR ORGAN TRANSPLANT Major Organ Transplant means having received, from a human donor, a medically necessary transplant involving one (1) or more of the following organs: kidney, heart, liver, lung, bone marrow and pancreas. The transplantation of all other
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