Payment of this Benefit will result in an equal reduction in the Trauma Cover Benefit under this Policy . Angioplasty means the actual undergoing of coronary artery angioplasty that is considered necessary by a cardiologist to correct a narrowing or blockage of one (1) or more coronary arteries. APLASTIC ANAEMIA Aplastic Anaemia means permanent bone marrow failure that results in anaemia, neutropenia and thrombocytopenia requiring treatment by at least one (1) of the following: • blood product transfusions; • marrow stimulating agents; • immunosuppressive agents; • bone marrow transplantation; or • haemopoietic stem cell transplantation. BENIGN BRAIN OR SPINAL CORD TUMOUR Means a non-cancerous tumour in the brain, cranial nerves, meninges or spinal cord which: a. produces neurological or spinal (as appropriate) damage and functional impairment which an appropriate Registered Medical Specialist considers to be permanent; or
b.
it is deemed appropriate and medically necessary to be: • treated using major interventional treatment such as chemotherapy, radiotherapy, laser therapy, ultrasonic aspiration or any other major invasive neurological techniques necessary for the therapeutic management of the tumour; or • removed through surgery (whether it is able to be removed or not).
The presence of the underlying tumour must be confirmed by CT Scan, MRI or other imaging studies. Excluded are malformations in or of the arteries or veins of the brain, cysts, granulomas, cholesteatomas, and haematomas; and tumour in the pituitary gland unless it is sufficiently large that: • it requires open craniotomy to remove it; or • in the opinion of an appropriate Registered Medical Specialist , there is significant and permanent neurological damage such as visual field defects. BLINDNESS Blindness means that as a result of disease or accident and certified by an ophthalmologist, the: a. visual acuity on the Snellen Scale after correction by suitable lenses is less than 6/60 in both eyes; or
b.
field of vision is constricted to 20 degrees or less of arc around central fixation in the better eye irrespective of corrected visual activity (equivalent to 1/100 white test object); or combination of visual defects results in the same degree of vision impairment as that occurring in (a) or (b) above.
c.
Advance Payment will be made on the unequivocal Diagnosis that all sight is likely to be lost within the next twelve (12) months by an appropriate Registered Medical
BCP-TC-05/2026
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