Employment and/or Usual Occupation 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. Full-Time Care Means having primary responsibility and actively undertaking, whether shared or alone, the day-to-day care of persons who cannot safely take care of themselves without supervision. Heart Condition Means one (1) of the following illnesses (as defined in Clause 3 “Critical Illness” under Section D “Trauma Cover Benefit Definitions” below): • Angioplasty • Cardiac Defibrillator Insertion • Cardiomyopathy • Coronary Artery Bypass Surgery • Heart Attack • Heart Valve Replacement • Heart Valve Surgery • Out of Hospital Cardiac Arrest • Pacemaker Insertion • Percutaneous Repair Of The Abdominal Aorta • Pulmonary Arterial Hypertension (Primary) • Surgery to Aorta • Triple Vessel Angioplasty • Major Organ Transplant (for the Heart) Life Assured Means the person or people insured for the Benefit(s) as listed in Your Policy Schedule . Manifested Means that symptoms have arisen which cause an ordinarily prudent person to seek Diagnosis , care or treatment, or that medical advice or treatment has been recommended by or received from a Medical Practitioner.
Marriage Means a Marriage as defined in the Marriage Act 1955.
Medical Practitioner Shall mean any person approved by Us and registered with the Medical Council of New Zealand to render medical or surgical services, who holds an Annual Practising Certificate. For Diagnoses made outside New Zealand, this definition covers any appropriately qualified medical professional approved by Us . This definition excludes any person who is himself/herself the Life Assured, the Policy Owner , the spouse, de facto spouse, Civil Union partner, lineal relative, or business partner/associate of the Life Assured or Policy Owner. Policy Means this contract of insurance between You and Us . It includes the following parts: • Your application for insurance; and • this Policy wording; and • the Policy Schedule ; and • any addendum to the Policy Schedule ; and • any other written notice that We give You ; and • any written notice that You give Us .
BCP-TC-05/2026
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