ACCIDENTALLY ACQUIRED HIV Accidental HIV Infection means infection with the human immunodeficiency virus (HIV) acquired by accident or violence during the course of the Life Assured’s normal occupation or through the medium of a blood transfusion, transfusion of blood products, organ transplant, assisted reproduction technique or other medical procedure or operation performed by a doctor or at a recognised medical facility. Sero-conversion evidence of the HIV infection must occur within six (6) months of the accident. HIV infection transmitted by any other means, including but not limited to sexual activity or non-medical intravenous drug use, is not Accidental HIV Infection under the Policy . Any accident giving rise to a potential claim must be reported to Us within thirty (30) days and be supported by a negative HIV antibody test taken within seven days after the accident. We must be given access to test independently all blood samples used, if We require. We retain the right to take further independent blood tests or other medically accepted HIV tests. MAJOR HEAD TRAUMA Major Head Trauma means an injury to the head causing either: Life Assured to suffer at least 25% impairment of whole person function ^ that is permanent ; 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 not treat the Life Assured as unable to perform that activity). Major head trauma as a result of alcohol, drug or substance abuse is excluded. ^as defined in the American Medical Association publication ‘Guides to the Evaluation of Permanent Impairment’ 6th Edition. COMA Coma means a state of unconsciousness with no reaction to external stimuli or internal needs, persisting continuously with the use of life support systems for a continuous period of at least seventy-two (72) hours. Coma as a result of alcohol, drug or substance abuse is excluded. CHRONIC LIVER FAILURE Chronic Liver Failure means end stage liver failure, together with two (2) of the following conditions: permanent jaundice; or ascites; or hepatic encephalopathy. Chronic Liver Failure directly related to alcohol or drug abuse is excluded. CHRONIC LUNG DISEASE Chronic Lung Disease means end stage respiratory failure requiring permanent oxygen therapy with FEV 1 test results consistently showing less than one (1) litre; or continuous oxygen therapy with Pa02<55mmHg; or
PC-VIP-05/2019
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