MUSCULAR DYSTROPHY Muscular Dystrophy means the unequivocal Diagnosis by a Consultant Neurologist of muscular dystrophy causing: At least 25% permanent whole person impairment as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’, 6 th edition, or an equivalent guide to impairment approved by Us ; or A total and irreversible inability to perform at least one (1) Activity of Daily Living without the assistance of another adult person. PARALYSIS Paralysis means the Permanent and Total Loss of function as a result of injury to or disease of the spinal cord or brain as defined below: Quadriplegia - loss of function of both arms and legs Paraplegia - loss of function of both legs Diplegia - loss of function of both sides of the body Hemiplegia - loss of function of one side of the body Paralysis as a result of alcohol, drug or substance abuse is excluded. BLINDNESS Blindness means that as a result of disease or accident and certified by an ophthalmologist, the: a. visual acuity on the Snellen Scale after correction by suitable lenses is less than 6/60 in both eyes; or the
b.
field of vision is constricted to 20 degrees or less of arc around central fixation in the better eye irrespective of corrected visual activity (equivalent to 1/100 white test object); or the combination of visual defects results in the same degree of vision impairment as that occurring in (a) or (b) above.
c.
MAJOR BURNS Major Burns means full thickness burns to at least: Twenty percent (20%) of the body surface as measured by The Rule of nine (9) of the Lund and Browder Surface Chart; or Twenty five percent (25%) of the face requiring surgical debridement and/or grafting; or Fifty percent (50%) of the total combined area of both hands requiring surgical debridement and/or grafting. LOSS OF USE OF LIMBS AND SIGHT OF ONE EYE The total and irrecoverable loss by disease or trauma of any of: the use of both hands; or the use of both feet; or the use of one hand and one foot; or the use of one hand and the sight of one eye (to the extent of 6/60 or less) .
PC-VIP-05/2019
Page 21 of 24
Powered by FlippingBook