SECTION D - TRAUMA COVER BENEFIT DEFINITIONS
DIAGNOSIS & DIAGNOSED
1
Shall mean the first definitive Diagnosis made in writing by a Registered Medical Specialist , based upon such specific evidence, as referred to in Clause 3 “ Critical Illness ” below in the definition of the relevant Critical Illness or, in the absence of such specific evidence, based upon radiological, clinical, histological or laboratory evidence acceptable to Us . Where specified in the definition of a Critical Illness , specialist Diagnosis must be obtained. In the event of any doubt regarding the appropriateness or correctness of the Diagnosis , We shall have the right to call for an examination at Our expense, of either the Life Assured or the evidence used in arriving at such Diagnosis , by an independent acknowledged expert in the field of medicine concerned selected by Us and the opinion of such expert as to such Diagnosis shall be binding on You , the Life Assured and Us . For some Critical Illnesses referred to Clause 3 “ Critical Illness ”, We will pay the lesser of 25% or $75,000 if the Life Assured meets the Advance Payment criteria. The Advance Payment criteria are specified under the sub- heading Advance Payment below the applicable Critical Illness . Payment of this Advance Payment will result in an equal reduction in the Trauma Cover Benefit under this Policy . No Advance Payment will be paid for the same Critical Illness for which the Life Assured has already been paid a Benefit , unless specifically included.
ADVANCE PAYMENT 2
CRITICAL ILLNESS
3
Shall mean any illnesses, as defined below:
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 (7) 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.
ADVANCED ACQUIRED IMMUNODEFICIENCY SYNDROME (AIDS)
The Life Assured has been unequivocally diagnosed by an appropriate Registered Medical Specialist with Acquired Immunodeficiency Syndrome in the clinical setting, evidenced by the presence of HIV infection with a persistent
BCP-TC-05/2026
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