D
COGNITIVE IMPAIRMENT The permanent loss of cognitive function due to a permanent, irreversible injury or illness of the brain including at least two (2) or more of the following permanent impairments: • disorientation in time and place • Mini-mental score of less than twenty (20) out of thirty (30) or equivalent test • requires assistance with two (2) or more Activities of Daily Living defined above.
Or
E
The entire and irrecoverable loss of the sight of both eyes.
Or
F
The complete, total and irrecoverable functional loss, as supported by medical evidence, of: • both hands; or • both feet; or • one hand and one foot.
Or
G Where the Life Assured’s sole and fulltime occupation or work, whether paid or not, is the ‘Normal Domestic Duties’ of his/her own household/residence, the Life Assured , solely as a result of injury or illness: a. being unable to:
1. perform Normal Domestic Duties; and 2. leave home unaided; and 3. engage in any form of employment;
for an uninterrupted period of at least three (3) consecutive months during which time the Life Assured must have been attending a Medical Practitioner and have undergone all reasonable and usual treatment including rehabilitation for the injury or illness;
AND
b .
In Our opinion, at the end of the period of three (3) months, (after consideration of all the medical evidence and such other evidence as We may require) the Life Assured has become incapacitated to such an extent as to render him/her likely to require ongoing medical care and being totally and irreversibly unable to ever again:
1. perform Normal Domestic Duties , leave home unaided and engage in any form of employment; or 2. perform at least two (2) of the five (5) Activities of Daily Living listed above. ‘Normal Domestic Duties’ means engaging in, completing and having the sole responsibility for, four (4) of the following activities for the household/residence: • Cleaning the house/residence • Shopping for food and household items • Meal preparation • Laundry services • Caring for a child or dependant (if applicable).
PC-TPD-05/2026
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