Kidney Failure
• • •
Loss of Independence
Loss of one limb
• Loss of use of Limbs and Sight of one eye • Major Head Trauma • Major Organ Transplant • Malignant Melanoma • Meningitis and/or Meningococcal Disease • Motor Neurone Disease • Multiple Sclerosis • Muscular Dystrophy • Out of Hospital Cardiac Arrest • Pacemaker Insertion • Paralysis (Quadriplegia, Paraplegia, Diplegia, Hemiplegia) • Parkinson's Disease • Percutaneous Repair of the abdominal aorta • Peripheral Neuropathy • Permanent Loss of Hearing • Permanent Loss of Speech • Pneumonectomy • Prostate Cancer • Pulmonary Arterial Hypertension (Primary) • Rheumatoid Arthritis • Serious Burns • Severe Burns • Severe Inflammatory Bowel Disease • Severe Osteoporosis • Stroke • Surgery to Aorta • Systemic Lupus Erythematosus • Systemic Sclerosis • Terminal Illness • Triple Vessel Angioplasty
MEDICAL ADVANCEMENTS
2
If the medical diagnostic techniques and investigations used in Critical Illnesses definitions have been superseded due to medical advancements, We will consider other appropriate and medically recognised methods or tests that conclusively Diagnose the condition to at least the same severity.
The following requirements must be met for a claim to be considered:
• The new diagnostic techniques and investigations are not experimental and are medically necessary and medically equivalent or superior to the original diagnostic technique or investigation. • Any new diagnostic techniques and investigations must be deemed medically acceptable based on medical standards and medically recognised in Australia or New Zealand by a Registered Medical Specialist.
BCP-TC-05/2026
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