2
Means the Life Assured has suffered:
PARTIAL DISABILITY
A The entire and irrecoverable loss of the sight in one (1) eye; or
B The complete and permanent loss of use of one (1) limb (limb being whole hand or whole foot).
The Partial Disability must be supported by an appropriate Diagnosis from a Medical Practitioner and evidence acceptable to Us . The occupation, business or Employment which the Life Assured was engaged in immediately before the injury or illness, and from which he or she was remunerated. The Mini-mental (MMSE) is a brief, quantitative measure of cognitive status in adults. It can be used to screen for cognitive impairment, to estimate the severity of cognitive impairment at a given point in time, to follow the course of cognitive changes in an individual over time, and to document an individual’s response to treatment. The Life Assured being totally and irreversibly unable to perform at least two (2) of the five (5) Activities of Daily Living (as defined below) as a result of a disease, illness or injury, without the standby assistance of another person.
EMPLOYMENT AND/OR USUAL OCCUPATION
3
MINI-MENTAL
4
TOTAL AND
5
A
PERMANENT DISABILITY UP TO AND INCLUDING AGE 65 FOR SUMS ASSURED
Activities Of Daily Living
$3,000,001 OR MORE MEANS
1. BATHING - The inability to wash oneself either in the bath or shower or by a sponge bath. The Life Assured will be considered to be able to bathe even if the above tasks can only be performed by using equipment or adaptive devices. 2. DRESSING - The inability to put on and take off all garments and medically necessary braces or artificial limbs usually worn, and to fasten and unfasten them. The Life Assured will be considered able to dress even if the above tasks can only be performed by using modified clothing or adaptive devices such as tape fasteners or zipper pulls. 3. TOILETING - The inability to get to and from and on and off the toilet, to maintain a reasonable level of personal hygiene, and to care for clothing. The Life Assured will be considered able to toilet even if it involves the use and ability to empty a colostomy bag, and/or catheter, or an alternative means of bowel or urine elimination device, or use a commode, bedpan or urinal, and able to empty and clean it without the standby assistance of another person. 4. MOBILITY - The inability to move from place to place. The Life Assured will be considered able to move even if it requires the use of equipment including but not limited to canes, quad canes, walkers, crutches, wheelchairs, including mechanical or motorised devices. 5. EATING - The inability to get nourishment into the body by any means once it has been prepared and made available.
Or
B
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
PC-TPD-05/2026
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